vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-01 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:
I was reviewing my Credit Report and noticed that the following companies are listed. I do not know who these companies are. I requested for Experian to investigate since they are reporting this information to my credit report, however they have only responded that this information has been verified with no proof of the verification. Due to the 15 U.S.C 1681 there should not be any issues on my reporting, and this is a defemination to my character and my credit reporting.

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 2024-02-01 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: CO

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2024-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
In XX/XX/XXXX. Accident happened. All state never sent me anything about the accident or about what I needed to do on my end. A year later I get a paper from national service Bureau collection for XXXX. On XX/XX/XXXX, They wont give me any proof of pay out or any debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have come across numerous instances where my venders have not received my payment though it is paid out of my account. On XX/XX/XXXX, I received a message from Regions that a payment I sent in XXXX of XXXX had not been cashed and it was refunded. 
It doesnt seem legal that you are debiting my account for a payment that has not cleared. It creates confusion when my venders question why I havent paid them and your records imply that I have. It also does not seem legal that you charge me for an overdraft on a check that has not cleared. You are using my funds and charging me fees for payments that have not cleared. 
I opened my personal account in XXXX and my business account in XXXX at XXXX XXXX, where I was employed, which through multiple merges is now Regions Bank. I have been an extremely loyal customer for over 40 years but in the past several years, I have asked myself why on multiple occasions. It is not your problem, but business is difficult enough in this economy and you are a liability.

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 2024-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
I made a payment on XX/XX/XXXX  of {$2200.00} on some of my loans, and EdFinancial almost immediately took the money and even sent me a confirmation email of the amount that I paid. I checked my bank statements just to confirm that they took the exact amount that I entered, and they did. When I go to check the payments posted on my loan account, it only said I paid {$1000.00}. I tried to give it a few days because I thought they split the payment into two different ones, but one month later ( XX/XX/XXXX  ) it still says I only paid {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: WA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX XXXX ( account number is XXXX XXXX XXXX XXXX ). After the close of the previous statement ( XX/XX/XXXX ), I had a statement balance of {$3100.00}. I made payments to bring the account balance to {$0.00} prior to the close of the most recent statement date ( XX/XX/XXXX ). XXXX XXXX never reported to Experian after the XX/XX/XXXX statement that the account balance is now {$0.00}, so my Experian credit report continued to show a balance of {$3100.00}. I submit a dispute on the noted XXXX XXXX account through Experian on XX/XX/XXXX. Experian contacted XXXX XXXX referencing the dispute, and XXXX XXXX responded saying that i still have an account balance of {$3100.00}, which is incorrect. 

As a result of XXXX XXXX incorrectly reporting my account balance to Experian two separate times, i am submitting this complaint regarding my XXXX XXXX XXXX credit card account.

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 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony bank is a fraudulent bank. 

I made a payment for my Amazon store card for {$360.00} for XX/XX/XXXX. My minimum payment is {$110.00}. I still kept getting an email saying I needed to make my monthly payment after the due date. Me thinking the payment was not made proceeded to make another payment. There is nothing on there website alerting that you are making a duplicate payment and after a payment is made there is no way to cancel it. I make the another payment. Only after making the payment you are directed to another screen that shows the duplicate payment. When you call them you are directed to go and resolve the issue with your bank. 

The same issue has now happened again with my Synchrony Home account where I have duplicated a payment of {$250.00} for a total sum of {$500.00}. There is no way to cancel it. This means, I will be unable to pay my monthly mortgage because of this. 

This is just a fraudulent and bad company.

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 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trojan Professional Services, Inc.
State: NJ

Complaint narrative:
XXXX bill collector company XXXX has negatively impacted my credit report for something that is not owed. Ive asked several times for a detailed bill but has never received one. We carried two insurances at the time and all should be covered. Office never stated there would be a balance owed or that something wasnt covered. They just went along with services without being honest of the amounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Had to pay overdraft fees

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
IT seems that Synchrony Bank reduced my credit limit from {$1300.00} to {$120.00} even though I have never been late with a payment with this account, have always paid on time, and the card was pre-approved last year without any questions asked even though I have a bankruptcy from 2017 on my credit bureau report. IT is unsecured as well. I have many credit cards that are in good standing and current and there shouldn't be any reason why my credit limit on this particular account should be decreased, if anything it should be increased back up to the limit is was before it was changed as I have stated, I have a good paying record. IF it is because of a problem I am having with another creditor listed on my credit report, well, that has nothing to do with my paying this account every month when there is something owed on it. IT is unfair to target this account because of non=current problems with other creditors cause this account ending in XXXX is current and always has been. Now, If the account wasn't current, then I can understand decreasing the credit limit or even closing it per issuers protocol ... I think it is " unfair '' / '' unreasonable '' under the Fair Credit Protection Act to decrease the credit limit based on another creditors listing, since this account has already been open for some time if it is decreased because of another creditors notes or delinquency well, " That '' doesn't have anything to do with " THIS '' account.Synchrony Bank should only be concerned with the monthly payments on this account ending in XXXX and not others that don't " have anything to do with this account.

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 2024-02-01 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: EdFinancial Services
State: TX

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law in the United States that governs the behavior of debt collectors and protects consumers from abusive or unfair debt collection practices. Here are some key provisions of the FDCPA : 1. Communication : The FDCPA restricts the times and places debt collectors can contact consumers. They can not call before XXXX XXXX. or after XXXX XXXX. unless the consumer agrees otherwise. They also can not contact consumers at their workplace if they are aware that the employer prohibits such communications. 

2. Harassment and Abuse : Debt collectors are prohibited from engaging in any conduct that is meant to harass, oppress, or abuse consumers. This includes using obscene or profane language, making threats of violence, or repeatedly calling with the intent to annoy.

3. False or Misleading Representations : Debt collectors can not use deceptive or misleading practices to collect a debt. They must accurately identify themselves, the debt they are attempting to collect, and provide information about the consumer 's rights.

4. Validation of Debts : Upon request, debt collectors must provide consumers with written verification of the debt, including the amount owed and the name of the original creditor.

5. Cease and Desist : Consumers have the right to request that debt collectors stop contacting them. Once a written request is received, the debt collector can only contact the consumer to confirm they will cease communication or to notify them of legal action being taken.

FDCPA applies only to third-party debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-01 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: NC

Complaint narrative:
In XXXX, I called XXXX XXXX XXXX to close my XXXX XXXX credit card. I made it clear that I was closing my card and wanted to make a final payment. I even asked if there were any recurring charges coming up for subscriptions. The specialist told me there were no recurring charges and what my balance was which I promptly paid. 

Two weeks ago I got a notification that my credit score has changed. I contact XXXX, they said a pending charge hit the day after I closed the account. 

So I am immediately paid everything over the phone and placed a dispute for the credit reporting because they did not send me any information about any additional charges or balances after I closed the account. Not a single statement, phone call, letter, email, or text. I monitor my account balances with a financial program and the balance had shown XXXX since XXXX. 

After they pulled the phone call, a supervisor called me to tell me that she listened to the entire call. She confirmed it was my intent to close my card, that I asked about recurring charges, and that my history showed I have never been late with any payments. She also confirmed that they did not send me any notifications. 

But she said that I did not specifically ask if there were pending charges and that even though the specialist could see that on her screen and did not inform me of that, that is not a bank error that is my fault. Unbelievable! 

I asked if I could escalate this to a manager and she told me she was a supervisor and that there was nothing I could do. 

This is an unfair trade practice and just plain bad business. They should correct the credit reporting due to their negligence and egregious behavior. 

Hopefully you have the ability to have those phone calls pulled to see how ridiculous this is. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on 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 2024-02-01 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: MN

Complaint narrative:
On XX/XX/XXXX XXXX I received my order from XXXX XXXX. It was made incorrectly so I reached out to support for a resolution. They refunded my whole order back to my debit card and I was told it should appear in my account in a few days but it was already processed so its just pending for my bank. I reached out to my bank the next day to ask if I had any pending returns to my account from XXXX XXXX  and they told me no. They dont see no refund issued by that merchant so I reached back out to XXXX XXXX  and they told me that is incorrect they processed the refund on their end so there must be a problem on the banks end. I would just like to make sure I get the refund I was already promised.

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 2024-02-01 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: PA

Complaint narrative:
There is a credit account from XXXX on my credit report that was opened in XX/XX/XXXX that was not open or authorized to be opened by me. I completed a FTC identity theft report for the account above on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Managment has opened a debt on my credit burea report on XX/XX/2019 claiming I owe {$1200.00}. I have not received notice of this via phone nor mail. I have also reported this to the credit bureau, as well XXXX to Midland Credit Management for verification of this debt. 
I do not owe debt to Midland Credit Management, please have this removed from all 3 of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: IN

Complaint narrative:
On XXXX XXXX I went in to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to purchase some food and gifts for a XXXX XXXX XXXX birthday party. I used self checkout and the machine malfunctioned and said it did not process my order. So the cashier did an override and processed my payment at her station which resulted in a XXXX cent difference for some reason. I found out later that this particular XXXX had issues with over XXXX card users payments on this particular day. 

I was charged twice for my items. The incorrect charge is XXXX. The correct charge is XXXX. I will attach the original receipt as documentation. 

I went in to this XXXX 5 times to try to get their customer service to correct their error. They kept telling me it was pending and hadn't processed yet and would take care of itself. It never did. It still shows both charges on my debit card even today months later. I do not go to XXXX everyday. And even if I did it would be very difficult to get the exact amount minus a XXXX. 

I have fought with Keybank for months ( called customer service 3 times, emailed with receipts and paperwork from XXXX showing the first transaction as cancelled, and responded to letters in the mail ) to try to get this resolved and because of the XXXX cent difference they will not do anything. I am so exhausted and feel completely defeated and let down by both XXXX and Keybank. It is unacceptable to charge your client double and not make it right. I will attach my documentation.

Company response to consumer: Closed with explanation