vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
The loan was taken out by my mom and dad in XXXX. According to the original loan agreement that was sent to us the loan was taken out for {$32000.00} and they were due to pay back {$130000.00} and the loan was to be paid XX/XX/XXXX. The original loan was taken with XXXX and is currently with Fay Servicing. We originally asked the company to freeze the Interest so our mom could pay the principal. They denied that request and said they were honoring the original contract. Our mom and dad had filed bankruptcy on the loan years ago but we don't want to lose the property which has been in my mom 's family for almost 70 years. The house is unliveable and we sent multiple pictures to them to show this. Our parents have been paying on this loan for 27 years and she still owes $ XXXX with no end in sight. Our mother has XXXX XXXX and our dad passed in XXXX. We feel this is a predatory loan and would like for our mom to be able to get the land back. I have filed a complaint with the Attorney General of VA also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
My account with XXXX XXXX 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 XXXXXXXX XXXX XXXX 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. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-02 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: TX

Complaint narrative:
My account with XXXX XXXX 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 XXXX XXXX XXXX  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. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-07-02 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: CA

Complaint narrative:
On XX/XX/year>, I bought a non-alcoholic beverage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They did not give a receipt. When I got my credit card statement, I saw the charge is for {$41.00}. It should have been close to {$4.00}. I do not live in that area. The next time I went to that area, I asked them to reprint the receipt. They did not. I have called since them and tried to get a reprint and they are not cooperating. 

Synchrony Bank closed the dispute ( Claim ID XXXX ) with no explanation of what investigation they did and just simply saying my lack of evidence is not a valid dispute. They also implied if I reopen the dispute, it will impact my credit score. The letter is no longer available in my web portal. It only shows the details of the dispute that I entered and that it is closed. It does not show their response.

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 2024-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a bill from Capital One for account # XXXX, that was opened on XX/XX/24, using my name and address. I did not open this account and do not know who did. I contacted the Capital One customer service and was connected with the fraud representative. The representative could not close the account and said it would be investigated. Whoever is using the account has my email and continues to order items on the account because I see shipping info on my email. This is obviously a fraudulent account and should be stopped immediately. I will not be responsible for any charges on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the validity of a collection account listed on my credit Exquifax credit report. Despite multiple attempts to dispute XXXX XXXX XXXX on my credit report Details of the Disputed Account : - Debt Collector : National Credit Systems - Original Creditor Name : XXXX at XXXX XXXX Apartments - Date Opened : XX/XX/year> - **Amount : {$5500.00} I believe this account violates both federal and state laws regarding debt reporting and the applicable statute of limitations. Although, the Consumer Financial Protection Bureau ( CFPB ) oversees the enforcement of federal consumer financial protection laws, while state governments have their own laws and regulatory bodies that may also govern contracts and debt collection practices within their jurisdictions. Under the Fair Credit Reporting Act ( FCRA ), any negative information reported by a collection agency must be accurate, timely, and verifiable. Section 605 ( a ) ( 5 ) of the FCRA stipulates that a collection account may only be reported for a maximum of seven years from the date of delinquency that led to the collection activity. However, my credit report indicates that the date of delinquency for this account exceeds the applicable statute of limitations for debt collection in Texas. In Texas, the statute of limitations for debt collection related to an apartment lease is two years, as per the Texas Property Code, Section 92.019. Given that the date of delinquency for this account is from XX/XX/year>, it should no longer be reported or collected upon. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that this account is removed from my credit report. Additionally, I ask that XXXX XXXX XXXX cease all collection activities on this invalid debt. Thank you for your attention to this urgent matter. I look forward to your prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: NY

Complaint narrative:
i was summoned to appear in court 2xs i went both times discovery order was made to prove the cad was mine never received anything i called the company and they sent me a XXXX XXXX XXXX debt from XXXX XXXX no charges but last statement XXXX unacceptable that i have to go to court 2x when these are collection agency and lawyers who should know the law in ny statue of limitations have expired on this long ago

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
Called the consumer credit line and requested the review and removal unauthorized inquiries made by these companies Feb Destiny ( concord credit ) inquiry : XXXX. XXXX, XXXX unauthorized inquiry XXXX XXXX inquiry : XX/XX/2024 did not contact this company no number found on credit report only address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX  made an unauthorized inquiry on XXXX XXXX called this company and the automated service advised to call the credit bureaus for dispute XXXX XXXX Location XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX inquiry Requested On XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CRED Technologies dba cred.ai
State: NC

Complaint narrative:
On XXXX XXXX I rented a card from XXXX and was charged the {$210.00} for the rental plus XXXX deposit totaling {$410.00}. Every week until XX/XX/XXXX I extended my rental and XXXX took out {$210.00} every week and held the funds which were not available for me to spend which is typical. At the end of the rental, cred.ai wouldnt approve the remaining balance I had of {$120.00} so XXXX forced the transaction for the total of {$1700.00}. At this point XXXX already had {$1600.00} held for my rental ( approval code XXXX ) Fast forward a week later I get an email from cred.ai stating As a reminder, on XX/XX/2024 you made a transaction for the amount of {$210.00} at XXXX XXXX. When the transaction settled on XX/XX/2024 for {$1700.00}, it settled for more than the amount we had approved over the allowable timeframe from XX/XX/2024. Because of this, your account currently has a negative amount available to spend of - {$1200.00} I called them and they told me I needed to call XXXX because it was up to XXXX to release the funds. XXXX confirmed they release {$1600.00} on XX/XX/XXXX. XXXX told me that after that it is on my bank to release the funds. Cred.ai is continuing to give me the runaround and wont answer as to where the rest of my money is if XXXX already released the funds. They wont answer the question and instead keep replying with that statement. If anything my account should be $ XXXX not $ XXXX because again, the money was held and unable for my use so if I didnt spend the money and XXXX  returned the money, where has my money gone? Cred.ai doesnt have the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

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 2024-07-02 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: AL

Complaint narrative:
I have been sending FTC Reports from identity theft website and Transunion will always make a excuse to why they cant remove the Accounts that listed on my credit report ( like sayin the FTC report ) is invalid when they remove the hard inquiries that was listed but didnt remove the account also today XX/XX/year> I called to try to speak to either a supervisor or a US Representative and 2 agents answered the phone one name XXXX and the other name XXXX they wouldnt transfer my call they said they doesnt have the option to transfer me and hung up in my face very rudely. Transunion is very corrupt. I been sending them FTC report that came off the website and them been telling me for 2 years now that the valid FTC report that I sent is not valid they constantly making excuse I also just spoke to a supervisor from transunion who name is XXXX and he told me that the federal trade commission documents that I sent in was invalid also I been trying to get these accounts remove for 2years now and they telling me the same thing These accounts that on my Transunion Credit report is not on XXXX XXXX XXXX and XXXX why Transunion is being sued from FCRA and CFPB that have Fradulent information reporting on people credit and they want investigated or remove the items I have a attorney involved im taking legal actions I had enough

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: KY

Complaint narrative:
I am having issues with charges on my background check appearing, even when they're not supposed to show any longer on a 5 or 7 year background check. I have a Possession of a Controlled Substance charge that was only one single court date and was supposed to be dropped off my record if I didn't get any further charges for 2 years. My background always shows the same charge two times, with different dates. And it's never been removed off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!

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 2024-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Goal Structured Solutions, LLC
State: MA

Complaint narrative:
I requested a misconduct discharge application and was denied. They stated thank you for your message. There have been no mandatory regulatory requirements for private student loans, in regard to this subject. 

I have been approved for a borrow defense claim via my federal student loans due to XXXX XXXX XXXX XXXX XXXX XXXX misconduct, they are now closed and defunked. 

The Federal Trade Commissions 1976 rule concerning the Preservation of Consumers Claims and Defenses ( or Holder Rule ) ensures that consumers are not held to a loan or credit obligation related to the purchase of goods or services that they did not actually receive as promised. Under the Rule, schools and colleges under the FTCs jurisdiction can not accept the proceeds of a student loan unless the loan contract contains a specific term that allows the student to raise school misconduct as a defense to repayment of the loan.

Company response to consumer: Closed with explanation