vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax continues to block access to my personal online account which prevents me from being able to file online disputes to correct my credit report. I can not remember all of the exact dates that I have contacted them about this issue, however, they should have it on file. I have received various reasons for the cause of the problem and I am always met with challenges as far as having it corrected. The most recent incident occurred in XXXX XXXX. When the issue was finally corrected I was told the cause was a duplicate file that they had for me that was causing the issue. After that call I was able to log in, however, as of XXXX XXXX my access has again been blocked. 

Although I have the ability to mail in disputes, I prefer to send them online and should not be denied the access to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE

Complaint narrative:
I have tried to sent money through moneygram and the bank account that i try to sent money to wasnt working with moneygram in XXXX. So i called back moneygram to ask for refund or cancellation they said because you did it from online you have to cancel through your bank account then everything went wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX - last email XX/XX/ Several text through out this month and for the past 4 months and continued after I asked them to stop. 
Debt is for XXXX XXXX XXXX shows on my credit report as LVNV Funding LLC. 


XXXX XXXX- XXXX, have asked them to stop contacting me as well and calls continue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CapitalOne deducted {$2800.00} from my checking account via their BillPay service on XX/XX/2024 for my mortgage payment to XXXX XXXX. 

They claim for payment timing to XXXX XXXX " We'll try to pay this bill electronically. Most payments arrive in 1 to 2 business days but can take up to 7. '' In the past, the payments after being deducted from my checking account show on my XXXX XXXX account as paid within 24 hours. 

As of XX/XX/XXXX ( 13 days after the money was withdrawn from my checking account ) my mortgage with XXXX XXXX remains unpaid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I have been enrolled in student loan autopay with Aidvantage since student loan repayments started in XX/XX/XXXX. I did not and still have not received the 0.25 % interest rate deduction due to being enrolled in autopay. I have had several chats and emails with Aidvantage and the interest rate deduction has still not been applied. 

XX/XX/XXXX email response from previous request : Customer service says that only one of my loans is enrolled in autopay even though I had enrolled all of my loans in autopay. They also say that the interest rate deduction will be applied when the loans are back in repayment. The loans are back in repayment and the interest rate deduction has still not been applied. 

XX/XX/XXXX online chat : Customer service says that the interest rate deduction will be applied during the next autopayment. This has not happened. 

XX/XX/XXXX email response from previous request : Customer service says that I should get an interest rate deduction when the loans are in repayment. The loans have been in repayment since XX/XX/XXXX and I have still not received the interest rate deduction. 

XX/XX/XXXX online chat : Customer service says that they are putting in a request for the autopay interest rate deduction to be applied. They say that this will be completed by XX/XX/XXXX. This has not happened. 

XX/XX/XXXX email response from previous request : Customer service says that they are still working on the interest rate deduction request. It has been since XX/XX/XXXX and I still have not received the interest rate deduction due to being enrolled in autopay. 

Email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a {$2000.00} credit limit with PayPal, I was a little over my limit because of interest, I had made all payments and I paid the balance in full. They first added interest to the account after I had paid the balance in full the same day. Then they decreased my credit limit to {$100.00} after I had paid the entire card off. The same day the payment processed they decreased the credit limit to {$100.00}. 

I messaged customer service because I thought there had to be a technical issue but they told me that they had a periodic review and I would receive information is XXXX business days. I asked to speak to someone else or for there to be an additional review and they said they didnt have any additional information and that I would receive a letter. I stated that this was unacceptable that customers should be rewarded for paying off their accounts not punished and they didnt have a response. I said I wanted to close the account and they closed it. 

This is incredibly bad practice, for me to pay off the entire balance them to slap interest on it the same day, I pay the interest, and they lower the account by {$1900.00} dollars.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX Ive obtain my credit report and notice numerous inquiries and an account thats on my credit file that i didnt apply for ACCOUNT : XXXX XXXX Account Number XXXX. I also contacted the credit bureaus about this matter which is affecting my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
On XXXX XXXX Ive obtain my credit report and notice numerous inquiries and an account thats on my credit file that i didnt apply for ACCOUNT : XXXX XXXX Account Number XXXX. I also contacted the credit bureaus about this matter which is affecting my credit worthiness.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent dispute letters to all three bureaus. My XXXX and Experian report is not reporting accurate information like XXXX. It is showing a collection XXXX not removed/deleted from XXXX and Experian but is showing removed from XXXX. It is also showing different statuses. Experian states " collection account. {$350.00} past due as of XX/XX/2024. '' with 3 late payment derogatory marks and XXXX is showing " unpaid '' with no late payment history. XXXX has removed this account. I have documents and proof attached showing what I have stated is accurate. 

15 U.S. Code 1681e ( b ) states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 2024-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
ACCOUNT ENDING XXXX Please be advised that I have made advance payments every month on the account more than the minimum payment due. I was on paperless billing and did not realize that my payments did not reflect during the billing cycle. I was charged late fee for the following months : XXXX  {$30.00} XXXX  {$34.00} XXXX {$39.00} I am requesting that you waive these fees. 

In addition, I overpaid {$150.00}, I am requesting that you return the credit balance.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Within seconds of each other experian closed XXXX while working on another which is a flat out LIE, experian stole almost XXXX  months of on time never late payments to XXXX and refuse to give them back AND THERE OWN WEBSITE SAYS THEY LIE

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 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
On two different occasions, I rec 'd 2 XXXX that I did not order. Returned 1st phone on XX/XX/XXXX, XXXX. Returned 2nd phone on XX/XX/2022. 
I was originally contacted by XXXX XXXX claiming to be with XXXX about an upgrade to my current cable service and was supposed to receive 2 new XXXX XXXX Nothing was mentioned about an XXXX at all, not part of a promo or addition to the service. Not mentioned period. 
I called the day I rec 'd and was told to return to XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), which I did and have furnished XXXX receipts 3 times to debt callers claiming I kept the phones. I even contacted XXXX directly and was told to mail phones to the above location, which I did. I continue to receive harassing calls about these phones, which I don't have and threats to send the debt to the credit bureau. My credit score is XXXX - not the type of score that I earned by stealing/keeping Iphones.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
On XX/XX/2024 I made a payment to Rocket Mortgage, over the phone with a live representative. Unbeknownst to me the representative used the wrong checking number to process the payment. My husband and I only have one checking account number. I called Rocket Mortgage on XX/XX/2024 to see if the payment went through, XXXX they reassured me that the payment would go through. I called my bank on XXXX XXXX, XXXX, they said get the ach trace number from Rocket Mortgage. I called Rocket Mortgage and they could not supply me with that number. Then Rocket Mortgage realized they used the wrong checking number. We do not want to get a late payment because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My information such as my social security number and address and other personal information was breached in XX/XX/2023 I put a freeze on my credit report as soon as I was informed in writing. I now have to check my credit report every week because XXXX, XXXX and Transunion, Bankruptcies and debt collectors are sharing my personal information to third parties without my authorization, and or written consent. According to 15 U.S.C. 1681 b ( 2 ) I would like to have these accounts removed from my credit report immediately.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief