vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAND HOME FINANCIAL SERVICES
State: HI

Complaint narrative:
I am XXXX XXXX XXXX XXXX and we are currently under contract to sell our home utilizing the VA Assumptions process to another veteran and his family utilizing the process as outlined in XXXX XXXXXXXX XXXX. However, we are now passing the 33-day mark and despite the seller and I both engaging with the lender ( Land Home Financial Services ) , we have found a complete lack of transparency. The only information I have received has come via my buyers and has resulted in additional confusion about the process and completely stalled our ability to make decisions about our upcoming duty station change. 

It is my understanding that even if the lender intends to disapprove a VA assumption loan, the packet must still be provided to the VA. I confirmed with the VA that nothing has been submitted to them referencing this VA assumption loan and this makes it impossible for the buyer to take advantage of the fact that they can appeal a disapproval decision by the lender - - as a seller, if this sale is going to fall through then the lack of transparency is resulting in a significant loss of valuable time on the market before my wife and I XXXXXXXX XXXX XXXX XXXX XXXX I know that my buyer has reached out to the VA for assistance - but as the seller with the VA-backed loan looking to support another qualified VA buyer using the entitlement that we have both earned in support of our families I am out of ideas- I am also choosing to reach out to find out if there is an appropriate way ahead to reach an agreement in support of our families and take advantage of the benefits we have both earned through our service.

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 2024-06-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My account with Marcus by Goldman Sachs has been locked for 2 months. I was denied an interpreter and suffered a XXXX XXXX XXXXXXXX XXXX because i was unlawfully denied access to my lifesavings. I complied with the banks request and send back the notarized affidavit XXXX weeks ago. Still No action has been taken by the bank to restore access to the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
My account with the company and i 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 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 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
In XX/XX/year> I was furloughed from my job that I held for XXXX years at XXXX XXXX. Through NONE of my own decisions, choice or actions did I want to lose my job. The government shut us down because of XXXX. I was in no way shape or form prepared for what that entailed for the next couple of years. Prior to the pandemic, I had a XXXX % payment history, not XXXX single collection or negative mark whatsoever on my credit report, check and see for yourself. I didnt ask to be furloughed, I didnt ask for not a single bit of that traumatizing and life altering event in my life. Now the end result of not being able to pay my bills, about XXXX negative collections on my credit report, I lost my vehicle to repossession when it was so close to being paid off, I cant even get a loan or a bank account at this time. Im nothing but a huge risk to everyone. Why? Because I lost my job due to a global pandemic that I had no control over?! Thats insane. I absolutely feel like people who were in the same boat as me should be given leniency and these negative things be taken off of our credit reports immediately. This is not fair at all. XXXX has literally ruined my credit that I worked so hard for and now Im being punished extremely wrongfully due to something out of my control, a world wide disaster. I am currently back on Unemployment Compensation and I feel like this is such a huge issue for some of us and I will not stop fighting until we get the relief we well deserve. Please, mentally and emotionally and physically, XXXX has reeked enough havoc in our lives, now we have to live with this affect as well!? Im genuinely a good person and I would appreciate it so much if we could do something, anything, to help us people who are still being punished by that nightmare. Please take what I have said into consideration and I pray that you can put something into place to help us go back to a semi normal life again. Its been enough for way too long already as it is. Thank you for your time and understanding. Looking forward to hearing back from someone soon. Thanks again. 

***So now I have a pending judgment in XXXX XXXX XXXX XXXX XXXX XXXX Ohio from a debt buyer who is trying to put a judgement on my credit report from when I was out of work due to the Covid Pandemic. I will upload the court papers to this complaint. Im not sure why they are hitting me so hard now after XXXX years since the pandemic started but this is not right. And the original Debtor just issued me a secured Credit Card, I havent even received it in the mail yet for {$200.00} because Im trying to build my credit back up but the debt buyer is suing me?? How does that make any sense at all. Please help me with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Duvera Billing Services, LLC
State: FL

Complaint narrative:
Hello, I took a loan from EasyPay to purchase myself a puppy from XXXX XXXXXXXX XXXX I got a loan of {$2600.00} and I had to pay an amount of {$210.00} every two weeks. It wasnt until a few months later that I checked my balance to see that my balance had went back up. I called the company and an agent told me that because I missed their XXXX promotion, my balance had went up with interest. I would not be able to pay off {$3000.00} in 90 days which is why I took the loan in the first place. 

Now Im paying my balance on time, Ive never missed a payment but my balance is barely going down because of the huge interest rate of 179.00 %! I called the company again on XX/XX/year> because I wanted to pay off my balance in full on XX/XX/year> but XXXX declined my payment because it was suspected fraud. I approved the payment and re-submitted but my payment wasnt processed by EasyPay. I noticed that in my transactions, it is indeed on their site so I called EasyPay to see what was going on and the agent told me that they havent received a payment from me and that I have an interest rate of {$6.00} everyday! I am afraid of paying off my remaining balance of {$1500.00} and Ill be charged twice because it doesnt make sense for me to see my payment from my side but not on theirs. It seems strange. I read multiple reviews on XXXX and many people are experiencing the same thing as I am about taking out a loan from EasyPay and being stuck paying off a huge interest rate. At the time I thought it was going to be an easy, harmless payment plan but now Im going nowhere. It says I have a total of 13 payments remaining but that hasnt changed in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: WA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. Please find below the detailed account of the inaccuracies and the relevant supporting information. 
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 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 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> I purchased an item advertised on TV for the amount of {$44.00} instead they charged my bank card {$190.00}. The next day I called the company and told them to stop the order because it was false advertisement and reached out to Wells Fargo. Told them about the issue, they opened up and investigation. The company told me it was already shipped but once I get it return it and once they get it they will return the money and they did..I have proof of the returned item showed it to Wells after a number of back and forths issue with wells the could not communicate with the company and decided to take the money back from my account and close my case .after numerous complaints they refused to give us our money back and we never received the item because we returned it

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 2024-06-22 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:
I am writing to dispute an unauthorized hard inquiries on my credit report. I have recently obtained a copy of my credit report and noticed a hard inquiry listed that I did not authorize. 

I understand that hard inquiries can negatively impact my credit score, and it is important to me to maintain an accurate credit report In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The accounts below have violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-06-22 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:
Thank you for removing some of the incorrect items from my file. However, several items still need to be addressed. I am a victim of erroneous credit reporting and am disputing certain entries that do not pertain to any transactions I have made or authorized. Please remove the following items from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXXTransUnion : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$820.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance Owed : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/year>. These items are not recognized by me. Additionally, some of this information has been removed by other bureaus, raising concerns about its accuracy. The payment history reported on these accounts is also unfamiliar to me. As per FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to remove these entries.

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 2024-06-22 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: AZ

Complaint narrative:
Thank you for removing some of the incorrect items from my file. However, several items still need to be addressed. I am a victim of erroneous credit reporting and am disputing certain entries that do not pertain to any transactions I have made or authorized. Please remove the following items from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXEquifax : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$820.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/year>. These items are not recognized by me. Additionally, some of this information has been removed by other bureaus, raising concerns about its accuracy. The payment history reported on these accounts is also unfamiliar to me. As per FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to remove these entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been referred to the bank with XXXX forms of ID too many times to count. I been left stranded in XXXX where I live due to agents putting my accounts in credits only state. I been discriminated against yelled and told to go find a bank back where I live in XXXX. I have filed fraud claims and that's when my account gets suspended/referred to the bank. Last time I was at the bank was XX/XX/year> with XXXX forms of ID and was told by fraud servicing to open a new account to avoid anymore fraud and having to go to the bank. Today is XXXX XX/XX/XXXX and I am now being referred to the bank just as before in the old accounts. None of the claims I have ever filed have been resolved or any of my money recovered. The claims don't get filed correctly yet I get locked out and completely ignored. They refuse to listen ti me or help me. I leave back to XXXX tomorrow XX/XX/XXXX and have no way of going to the bank again because I'm not going to miss or change my flight to go back home. They wanted me to come and I did XX/XX/XXXX in XXXX CA with branch 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 monetary relief
Consumer complaint received 2024-06-22 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: CA

Complaint narrative:
In accordance with the Fair Credit reporting act, has reported incorrect information and inaccuracy in magnitude of credit reports points affected reporting late payment. 

15 U.S.C 1681 section 602 A, states I have right to privacy 15 U.S.C 1666 B, I did not receive a written notice within 21 days of payment 15 U.S.C 6802 B, Inaccuracy in disclosed statements I solemnly, request that my credit report which is adversely affected by the remarks of late payment marks, needs to be removed from my credit account. One of the late payment is reported recently and is affecting XXXX points in one credit account and XXXX points in the other. In addition, there is also a 3 years old late payment mark, that is incorrect. 

I have made my payments to XXXX XXXX on time since the last 4 years, beginning of XX/XX/year>, the recent miss was absolutely due to miscommunication and technical glitch in setting up the auto payments. 

I have confirmed with the credit agency that the late payment occurred due to technical error in having the automatic payment set up and was not purposeful. Affecting the credit points by XXXX magnitude is totally unfair for the act that was not intentional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: PENTAGON FEDERAL CREDIT UNION
State: GA

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

XXXX XXXX has violated my rights by adding multiple hard inquires to my credit report when I have consistently chosen the preapproval option and it keeps pulling hard pulls and not soft, XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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