vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Just recently within the last 3 months I started using direct deposit once again for my Navy Federal Credit Union account. I also have a credit card with them. This credit card allows me to earn 1.5 % cash back on all purchases. If I have direct deposit that goes into my checking account ( which i do ) I would earn 1.75 %. For the last few weeks I've been telling them that I have not been getting the 1.75 %. I was told that they see the direct deposit and to continue to wait up to six magical weeks. Just recently I inquired again and all of a sudden they tell me that I don't have a direct deposit that qualifies which is a lie. It's the same direct deposit that I have done for many years before I briefly stopped for a few months. They are also now telling me that they no longer offer the 1.75 % even though I was getting direct deposit before hand and followed every term. It's like they purposely dragged it out and waited and lied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). 

On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). 

According to my Payment History with XXXX ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see Equifax XXXX, XXXX account summary ). 

XXXX never notified me that my loan was no longer in forbearance prior to XX/XX/XXXX after receiving he Cares Act Notice. The Cares Act Notice clearly states advanced notice was to be provided prior to forbearance period ending. I never received such communication from XXXX ( see XXXX Inbox ). 

My XXXX student loan was improperly reported late to credit bureaus and XXXX and Credit Bureaus have not fixed the problem despite repeated disputes and correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: PR

Complaint narrative:
XXXX XXXX auto lease account contains incorrect and innacurate information, about payments and balances and should be removed inmediately. 
I have tried to communicate with XXXX, XXXX and Transunion as well as with XXXX XXXX without a resolution.

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 2024-10-25 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: CA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-25 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: TX

Complaint narrative:
I've found errors on my credit report under 15 USC 16c-2. These inquiries were not authorized, and they're impacting my credit. Please remove all unauthorized hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am writing in response to your letter regarding the XXXX XXXX XXXX associated with my XXXX XXXX XXXX XXXX. While your letter stated that a XXXX XXXX  was issued on XX/XX/2024, it has not been added to my XXXX account, and I am still unable to redeem it. 

Thank you for your response regarding the XXXX XXXX XXXX associated with my XXXX XXXX XXXX XXXX. 

While you confirmed that a XXXX XXXX was issued on XX/XX/2024, it has still not been added to my XXXX account, and I am unable to redeem it. My XXXX XXXX number is XXXX, and I request that the certificate be linked to this account promptly. 

I have been patient in awaiting a resolution, but this continued delay is unfortunate. Please prioritize adding the XXXX XXXX to my account this week. 

Thank you for your attention to this matter. I look forward to confirmation that this has been addressed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: PA

Complaint narrative:
On XX/XX/year> I had my entire wallet stolen from me. It was stolen out of my vehicle when I went to help a friend do some work on his house. The person/persons who stole it spent {$4.00}, and then {$100.00} at a store billed as XXXX XXXXXXXX, in XXXX, PA. They also tried to spend roughly {$130.00} and the card was declined, and I had the card shut down shortly after that when I realized it was gone, and a dispute was filed. The company, First Progress Bank, denied My dispute, claiming the store was XXXX miles from My residence and the merchant said it was a manual transaction, that was the explanation I got on why it was denied. They told me after I contacted them, I was supposed to now contact the police to contact the merchant and they should have video evidence of the transaction. The police in XXXX do not even come when they are called most of the time, let alone go and investigate a crime like fraud. They will not over turn it and told me I need to basically prove that it wasn't me who spent the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by SERVBANK . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. I also request that the inaccurate late payment entries for XXXX and XX/XX/XXXX be removed from my credit report immediately. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX 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
Consumer complaint received 2024-10-25 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Remove all unauthorized hard inquiries affecting my credit report as specified in 15 USC 16c-2 ; these were not consented to.

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 2024-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
Multiple hours long calls and chats beginning XXXX of 2024. Loan Number : XXXX My mortgage was assumed by NewRez LLC from XXXX ( the servicer was bought out/folded into NewRez ) in XXXX of 2024. 

NewRez shows that XXXX made an insurance payment of {$2700.00} to XXXX XXXX XXXX in XXXX of 2024. However, this payment was never received by XXXX XXXX. This has been confirmed by conference calls between NewRez, my XXXX, XXXX XXXX and myself. 

In addition, a second payment was made to XXXX XXXX, this time by NewRez to make my insurance current. 

As a result, my escrow balance is now negative and the first {$2700.00} is now missing from my account. My escrow is now considered short and my monthly payment has increased to cover a clerical error.

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 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
For my Citibank issue XXXX XXXX XXXX, they said because I used certain features of the card, they would not be sending a renewal card. However my online and mobile accounts said there was a card on the way but it was never sent. I have never been late on paying this account. They kept the account open and shows that there is available credit. I have spoke with their partner XXXX since this is a cobranded card and Cost is not happy with the way Citibank has unethically treated their customers.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these INQUIRIES from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX  payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Please note that XXXX my identify was stolen,. XXXX to current due to XXXX etc. I am requesting and disputing information placed on my credit etc. 
Due to identity theft and different individual taking care of me during my recovery my credit is being reviewed. 

I have requested these docs before to no avail. 
So again, please send all signed docs related to this collecrion within 15 days of this letter Experian customer rep stated that they investigated the matter but failed to provide me with info on how they investigated the acct. thoroughly, according to US 1681 Section 7. Considering they were provided with a police report, they know my information was breached on their end twice and i pay for their credit freeze but to now avail i still have items appearing on my credit or extra SS attacked or other names and address

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 2024-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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