vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
The Milestone credit card will hold your payment for Fourteen Days before posting your received payment and wait to update your availible balance! 

They will not reveal the option on their website for customers to pay with their debit card or post the option! 

They will also delay thye process of accepting your payment by check and let the payment sit in dormat for fourteen days calander days which appears to confuse the customer thinking that the payment has already been withdrawn from the checking account! 

Nevertheless, Insufficent funds are occuring because of this practice which fees are assessed from the creditor and we as customers are being reported with lates fees, late reporting on credit reports, and never informing the customer that their payment didn't post and check didn't clear! 

I hoping that a class action lawsuit is filed and this practice is investigated by authories!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
Reporting of these accounts listed below on my consumer report without my consent. These are in violation of U.S.C Code 6801 Protection of non public information and U.S.C Codes 1681b and U.S.C Code 1666b illegal reporting of lates Permissible purposes of consumer and reporting time to make payments ARIZONA CHILD SUPPORT XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Professionals, Inc.
State: CA

Complaint narrative:
Action Professionals is trying to collect an alleged debt of {$30.00} plus XXXX cents interest for a copay under my XXXX XXXX XXXX XXXX XXXX program collected at the time of service. They claim that on XX/XX/year>, more than six months ago, I owed {$1000.00} and ten the claim XXXX cents interest accrued and that sometime after that they were paid {$1000.00}. In fact they were also paid the {$30.00} copay at the time of service and they have ignored my receipts for that and claimed the payment was for something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates LLC is claiming an alleged debt owed to them. However, they NEVER provided written notice or proof of ownership of debt at any moment. I have disputed this issue with both credit bureaus as well as Collection agency. This account was not left in bad standings, and the debt mentioned by the collection agency is completely wrong and invalid, as all debts were paid. I am requesting the ORIGINAL PURCHASE AGREEMENT with the exact amount allegedly owed, guaranteed by the original creditor. A bank statement from an original creditor is NOT proof that the debt is still currently owed. I have requested this information from the collection agency and they have refused to provide it. I have also received a call from another credit collection agency trying to collect on this same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I asked for a payoff letter for an XXXX XXXX XXXX personal home equity loan that has always been paid through automatic deduction. M & T Bank provided me with the letter, however is unable to provide me with information on a line described as " Deferred payment balance ''. This line adds {$3300.00} to the payoff amount. 
Despite numerous calls ... no one can identify or explain what this line item is for. 
M & T Bank responds they will call me back after research... however no one does. They open another 'ticket ' to research the issue when I call to follow up. 
Thank you.

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 2024-06-26 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX c : XXXX. 
Email : XXXX Customer Service at Zelle XX/XX/year> To Whom It May Concern : This letter is regarding a recent transaction on XXXX XXXX  ( XXXX  ). I was selling a coffee table on XXXX  to a person named XXXX XXXX XXXX. I was asked to open a Zelle business account and would be required to put money into my Zelle account. I only had a personal account and XXXX XXXX  Zelle would not allow deposits into in a personal Zelle accounts. 
I added {$300.00} of cash from my credit union account into the Zelle business account so I could show it was active. 
When I opened the business account XXXX could put her {$300.00} into my account to pay for the table, my {$300.00} was taken from my Zelle account-but the customer did not put in her {$300.00} to purchase the coffee table. In principle, I was hacked! 
I debated this charge with my credit union, but they determined it was a Zelle issue. Therefore, I am requesting a refund/credit of {$300.00} be placed back into my credit union account.t I feel Zelle was allowing hackers to rip people off like myself. 
Please see the Pics for the texts we had back and forth to seal the {$300.00} transaction. I also am including a letter from my credit union explaining the right to receive resolution. 
I have closed both Zelle accounts and am very leery going forward on using any type of XXXX or Zelle apps currently. 
Please advise next steps. 
I look forward to hearing back from you. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing this complaint personally. An examination of my credit history revealed late payment entries. Despite sending correspondence more than a month ago, I have not received any reply, nor have they provided adequate verification. I seek your help in addressing this issue.

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 2024-06-26 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: AL

Complaint narrative:
My account with ( XXXX XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING 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 XXXX  days before the payment due date. 


( XXXX XXXX XXXX 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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TN

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-06-26 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: MS

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX  Employer - XXXX XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This issue requires immediate attention due to its negative impact on my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this matter. I'm ready to provide any required evidence and, if necessary, take legal steps to defend my rights and seek appropriate redress. Your quick response to this urgent situation is greatly valued.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This issue requires immediate attention due to its negative impact on my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this matter. I'm ready to provide any required evidence and, if necessary, take legal steps to defend my rights and seek appropriate redress. Your quick response to this urgent situation is greatly valued.

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 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I had to create an account for Venmo so my roommate could pay their rent. It deposited. I added my debit cards to do instant transfers so I could use it. They wouldn't let me do any transfers. I called them and they said that everything was set up properly and they didn't really know why it wouldn't let me. They said they would refresh my account and then to try again. I did it still wouldn't let me. I then went to a store that accepted venmo as payment. That worked. I tried going to another store that also took venmo and it wouldn't let me use it. I bought {$1.00} of paypal crypto currency to see if it would let me. That worked so I attempted to buy the rest of my balance worth and they locked my account and won't let me access the funds that are mine. They are being very combative about helping me and I have read that it's a huge problem that they regularly do to customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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:
My accounts 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 to be removed/updated. 

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. 

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!

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 2024-06-26 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:
My accounts 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 to be removed/updated. 

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. 

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!

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 2024-06-26 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: AZ

Complaint narrative:
i was reviewing my credit report and noticed that I had some collections and inquiries that were fraudalent.

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 2024-06-26 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: Cascade CISS Holdings, LLC
State: TN

Complaint narrative:
Unauthorized inquiry on my credit report. They refuse to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TN

Complaint narrative:
Unauthorized inquiry on my credit report. They refuse to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
Apologies, but I filed complaint XXXX earlier today that lacked important information. Note also that I filed complaint XXXX last year about this same problem, which is that LoanDepot claims that they don't have a current hazard insurance policy, though I most certainly do and always have. See attached proof of insurance. 

The printed notice that I received from LoanDepot ( attached ) says that there's a website where I can submit my updated insurance information, but 1 ) it is slow as molasses, and 2 ) it doesn't work, ultimately. See attached screen shot. I tried multiple times and it failed every time. 

This is customer abuse. There is no reason why I shouldn't be able to send an email with proof of insurance, but they give a broken website and a fax number as my only options. Further, they should not require any proof, as they should be able to get this information from my insurance company.

Company response to consumer: Closed with explanation