vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
This was a deferred interest loan, initiated on or about XX/XX/year>. The initial amount of the loan was approximately {$30000.00}. If we paid off the loan by a certain date, which the company called the Special Terms End Date, interest would not be charged on the loan. If we did not pay off the loan by the special terms, end date, interest would be charged at the rate of XXXX %. We authorized the company to withdraw funds from our checking account on a monthly basis, which it did. The authorized monthly withdrawals were calculated to pay off the loan by the Special Terms End Date. Shortly before that date arrived, the company attempted to increase the final balance due without authorization or explanation. The company did this in an electronic billing statement with XXXX different amounts due. XXXX amount, {$5400.00}, had this designation : NO INT IF PAID IN FULL W/PMT. The XXXX  amount was {$6200.00}. There was no explanation for the higher amount, and we did not expect it. We called the company to determine which payment we should make to eliminate the final balance. The companys representative directed us to pay {$5400.00}, which we did ( actually, we paid {$5500.00}. ) After accepting our payment, the company took the position that we should have paid the higher amount, and the company then folded into our loan the entire amount of deferred interest ( {$5400.00} ). This was not the only wrongful act by the company. More details ( and the additional wrongful acts ), are detailed in the attached 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr Cooper has refused to pay my home insurance policy from escrow funds and my carrier has advised they will terminate my policy in XXXX  days. Mr Cooper claims they sent a check but there is no record of it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/year>. I sent a letter to XXXX, Experian and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation. \

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 2024-08-20 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: SC

Complaint narrative:
This company is in violation of 15 USC 1681n despite numerous attempts to correct this situation. See attached evidence

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 2024-08-20 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: IN

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
A credit inquiry was done fraudulently on XX/XX/XXXX from XXXX and on XX/XX/XXXX from XXXX XXXX, I have been a victim of identity left in the past, I contacted both fraud departments of each company and contacted all three credit bureaus with no help removing these fraudulent inquiries.

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 2024-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I received my XX/XX/year> mortgage statement from Selene today. According to Selene Finance, I am in arrears and owe {$4200.00}, this is a false statement. 
I was told to follow up with you XXXX XXXX from Selene Finance, regarding my mortgage payments that are not being credited to my account promptly. All mortgage payments are being submitted through electronic funds transfer from XXXX XXXX to Selene Finance LP on the first of the month or closely dated. These payments are Peer to Peer payments. And every month this years XXXX  payments are either not received or the check is cashed very late ( over a month ). I incur late fees and bad credit. 
Peer-to-peer bank payments are not being recorded at Selene Finance LP and I am being penalized further, I DO NOT WANT SELENE FINANCE LP withdrawing money out of my bank account through XXXX. That option is not available to me because Selene Finance states, I am in arrears with my payments, that option is for people with good-standing credit. 
I have contacted Selene Finance LP who promptly stated I am on a recorded line with XXXX XXXX XXXX  ( also on a recorded line ). Each bank has confirmed the following : 1. Selene received the payments and they held onto it for two months without notifying me 2. Selene Finance LP reported my payments as late to the credit bureaus 3. Selene Finance LP has only returned ONE LATE FEE of {$190.00} to me when actually owe for every month that has been reported late, and additional fees have been applied to my account 4. As of todays writing, my mortgage payment has not been applied. It was made on XX/XX/year>XXXX  has NOT been credited to XXXX payment, my XX/XX/year>XXXX  statement ( attached ) says I owe {$4200.00} including late {$150.00} for this months late fees. 
5. I made a mortgage payment directly to Selene Finance LP on XX/XX/year> for XX/XX/year>XXXX  and Selene Finance LP says that the payment received will be applied to XXXX and Selene they will report me late for XXXX ( already reported as late ). The process continues every month. XXXX XXXX says they mailed Selene Finance the check on XX/XX/year>. Selenes response from the person on the recorded line was that I must mail the check earlier because it takes up to four weeks for a check to cash, why is that? 
Please investigate and return the late fees charged to my mortgage account. 
Selene should get an online system that can make payments using XXXX XXXX. If Selene can not allow me to make payments with XXXX then allow me to make payments through XXXX from my bank that are cashed expeditiously. 
Peer-to-peer payments are being held by Selene Finance LP and penalizing the consumer. I will contact the Consumer Financial Protection Bureau and XXXX XXXX XXXX officials. 
Its about time Selene Finance fixes its internet and postal service issues and stop penalizing customers for their own failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX thru XX/XX/XXXX my direct deposit in the estimated amount of XXXX was electronically sent to my check account to Truist Bank. I contacted Truist Bank to find out why the funds were not showing on my online banking. The representative told me that I account had been permanently closed to to inactivity and negative balance which should have been only XXXX. I complained to the agent why wasn't I notified by email notification or contacted by phone that my only checking account I have is permanently closed. The agent apologized then explained to me over the phone that the decision was made by Truist to take off {$110.00} from the XXXX and that XXXX will be sent to my mailing address on file and rest it will take 10 business. I complainted to the agent that this is unfair ethical business practice. Truisr should have sent back the funds the way it was received. Not by only mail suppose the check gets lost or the address on file may not be accurate. Truist should make attempt to contact the person the finds are being sent to. To my shocking disappoint the check that Truist is sending me can't be stopped which is what I needed to happen and needed truist to provide a faster way to get my earned check so that I can pay my rental home which is still owed due to me being unemployment. I now have a new joband earning income. I feel that Truist should not get away with charging fees toward negative balance. The amount overcharges should be the only amount the consumer pays back. Truist taken XXXX out of my first check i earned since started back working. If their is a depth owed don't take the money call the consumer and allow the consumer the fair chance to pay it back in the bank or over the phone to settle it. Truist has made my life right now even more very difficult. Truist Bank has very flailed business practice ethics.

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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
These inquiries do not belong to me, and I have no ties to the listed creditors.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was reported inaccurately. I see XXXX collection that have nothing to do with me, but everything to do with the owner of the property, that had repair on the water consumption problem. The consumer reporting agency needs to report all information with complete accuracy, this account has not been late on payments Ive attached a copy of my complaints on ( XXXX, XXXX ) Im now requesting you to investigate this account and update these payments as paid on time asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : 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 XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Response to complaint ID : XXXX, I have made numerous attempts via mail, email and fax to retrieve documentation from Portfolio Recovery Associates in regards to an account they are currently reporting in my name to the consumer reporting agencies. Portfolio Recovery Associates is a repeat offender for continued illegal debt collection practices and violating the law. The company has ceased communication yet continues to report unsubstantiated debt, collecting without providing required disclosures, and failing to properly investigate to resolve this dispute. The company needs to be held accountable for violating federal and state laws, their agreement to do business fairly, equitably and just. The Consumer Financial Protection Board has been officially put on notice to investigate their continued efforts to cause harm to my financial profile, standing, and other assets. See my attached documentation of reaching out to the dispute department of Portfolio Recovery Associates. I have also attached the promise Portfolio Recovery Associates declares on its website to commit to compliance with federal, state and local laws that govern debt collection as well as its commitment to providing transparency with the required information for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Possible Financial Inc
State: CA

Complaint narrative:
In XXXX and XXXX of XXXX  Possible finance decided to report negative information to the CRAs in an extremely short amount of time, without providing me a way to opt out or let alone even inform me that the information would be published. According to 15USC 6802 and -its subsections- as well as 15USC 1681 -and its subsections- my rights have been and are being violated. I have reached out to Possible Finance to send me the 3 disclosures required by law for publishing personal information and they refuse to send me anything, besides friendly reminders that I signed a digital contract that says that they may publish information, not that they shall and especially not in such a rapid time frame. I didnt see anything about signing away my rights to non disclosure. I never got any notices or emails or physical mail with regards to Possible Finances intent to report negative information to my consumer report that was clear and conspicuous. The company Possible Finance is operating in a predatory and punitive manner if my case is any example of how they generally treat their clientele and I would caution anyone to deal with them in any way shape or form.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
I submitted a request to update incorrect information on my 3 bureaus on XX/XX/XXXX, along with my social and photo identification. I received a request back from XXXX with updated and completed. Experian received the same details and stated identification and social requested which was provided. XXXX has not followed up with the request d information. If XXXX received the same documents such as social and my personal Identification why would it not be accepted.

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 2024-08-20 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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