vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks 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 2024-05-25 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any 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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.

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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: DE

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NV

Complaint narrative:
From XX/XX/year> to XX/XX/year> nearly XXXX individuals were making withdrawals from my XXXX bank account DAILY WITHOUT MY APPROVAL for a total of {$2000.00}. 

CashApp denied any information and XXXX is denying my fraud claim stating I approved the money being withdrawn! I am going to a branch in person this morning! 

I don't give money to strangers and I don't even use CashApp! My account through XXXX was linked but I DO NOT USE CashApp! And I do not give out money to strangers online! 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: IL

Complaint narrative:
in accordacne with the fair credit reporting act. the list of accounts below has violated my federally proctected consumer rights to privacy and confidenitily under 15usc 1681. account names, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I looked at my experian credit report on XXXX and noticed somethings are incomplete and not accurated.and according to the fair credit reporting act whenever a consumer reporing agency prepare a comusumer report it shall follow reasonable procedures to assure maximum possible accurancy of the informaton concerning the individual about whom the report related according to 15 USC1681 ( e ) ( b ).

and according to 15 USC 1681 i 5 they are suppose to do this ( 5 ) treatment of inaccurated or unverifiable information ( A ) in generalf after investigation under pargraph 1 ) of any information disputed 15 USC 1681s-2 they are suppose to not funish any information

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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I have consistently made timely payments on this account, never missing a due date. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I purchased my home in XXXX and financed with Wells Fargo. I refinanced my mortgage loan with Wells Fargo in XXXX, but I did not escrow. My mortgage payment was {$1900.00}. I requested that my mortgage be escrowed on or about XXXX. My mortgage increased to {$2600.00}. That was a substantial increase. However, in XXXX, my mortgage increased to {$2800.00} due to an increase in my mortgage insurance from approximated $ XXXX {$3000.00} up to over {$4000.00}. The increase caused a hardship. I got behind on my payments by 3 month due to the {$200.00} increase. I paid 2 late payments and I now I have to pay one more. However, Wells Fargo sent a projected shortage in escrow of {$29000.00}! I have no idea of how they calculated such a huge shortage. Wells Fargo projected my mortgage insurance will increase to {$15000.00}, but my mortgage insurance is {$3800.00}. Wells Fargo also has calculate an escrow shortage of {$7900.00} and added that to the insurance and property taxes. I have no idea of why there is such a huge shortage. Well Fargo wants to increase my mortgage is {$4600.00}. There is no way I can afford to pay an additional {$1700.00} each month. I have never seen a mortgage increase from {$1900.00} to {$4600.00}. I have a fixed interest rate of approximately 6.5 %.

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 2024-05-25 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: IN

Complaint narrative:
I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately reported, and I request its removal. I am entitled to {$1000.00} for each incorrect entry on my credit file.

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 2024-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX and successfully had my federal student loans discharged through the Borrower Defense to Repayment program. This program, initially established by the Obama administration, aimed to offer relief to students who were misled, defrauded, or otherwise harmed by predatory colleges and universities, often for-profit institutions like XXXX XXXX XXXX XXXX XXXX  XXXX However, it's important to note that this relief only applies to federal student loans, leaving private student loans ineligible. Despite this, XXXX XXXX XXXX declined to discharge my private loans. I firmly believe that under the Holder Rule theory, I am entitled to the cancellation of my private student loans. This rule dictates that loans disbursed by a commercial entity, such as XXXX XXXX XXXX, should include provisions in the loan promissory note allowing borrowers to raise claims and defenses against the lender that they could against the commercial entity. In essence, if claims of fraud could be raised against XXXX XXXX XXXX XXXX XXXX, those same claims should apply to XXXX XXXX XXXX, the entities involved in my private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks 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 2024-05-25 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: PLANET HOME LENDING, LLC
State: TN

Complaint narrative:
Received a statement on XX/XX/year> that indicated a zero-dollar balance at that time. Looked at the account yesterday online and it showed I need to back pay for the last 2 months. Also, will have another payment coming up end of next week. I do not believe this is a fair billing practice under The Tennessee Consumer Protection Act. I have generously sent in a payment already but would like a review of my account and the recent statements sent. It is unjust to send a statement that shows XXXX dollar minimum due XX/XX/year>. Then look online to see I owe XXXX immediately along with an addition payment next week of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: AMERIS BANCORP
State: GA

Complaint narrative:
I am a signatory on a checking account with my neighbor who I have a power of attorney to handle his finances. 

On XXXX I noticed 2 unauthorized charges on the joint checking account and called the banks fraud line and reported it. They cancelled the card. 

The next day i noticed that the transactions were still pending. I immediately called the bank on the XXXX and reported what I had done. The next response amazed me. The bank told me that the service I called only cancels the cards and that the customer has to call the bank. 

This is outrageous. No one told me that we had to make a second call to the bank. This is the first failure by Ameris. How can they provide safety and security when they botch this like they did. 

The second failure, which has several elements, relates to their mailing process. 

They sent me 2 notices, each dated XX/XX/2024. 
The checking account mailing address is : XXXX XXXX XXXX, and they sent the notices to me at my home. It makes no sense. 
I received the notices on XX/XX/2024 in the XXXX Mail They were mailed from the bank on XX/XX/2024. 
The account is paperless and they had every opportunity to send the notices electronically. By doing that they could have saved some trees, save the postage and follow through with a timely notification. 

These. 2 failures reflect a management failure to protect their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks 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 non-monetary relief
Consumer complaint received 2024-05-25 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: SC

Complaint narrative:
*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated 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 2024-05-25 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-05-25 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 non-monetary relief
Consumer complaint received 2024-05-25 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: IN

Complaint narrative:
FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit file.

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 2024-05-25 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX, AND EXPERIANwill investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX... 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