vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: AZ

Complaint narrative:
I am having a very difficult time making payments online for this loan provider. They make it extremely difficult to turn off auto-pay to allow me to pay whenever I want, instead of a fixed day. This can only be done by calling in and it took me 3 times before they actually turned it off, I was even charged twice one month when I attempted to pay on my own over the phone a week before my due date. If I want to pay online, the same problem happened until the third time it finally stopped auto-deducting from my account. To pay extra each month, which is what I prefer to do, I have to first make my monthly payment and then navigate back through the flow again in order to chooce a principle amount and make a second payment for anything extra I want to pay. Just today, what prompted my rage to actually lookup how to file a complaint and file one, is when I got this message attempting to make this months online payment. It said " We're unable to schedule payments online between XXXX XXXX  and XXXX XXXX ( Pacific Time ) daily. Please come back later to make a payment ''. So I am now fed up with this lender as they are the most difficult lender I have dealt with to make payments. I am almost ready to take out a loan with another lender just to pay this one off and leave this company for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 35 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, i sent a letter to the bureaus reporting some inaccuracies on my credit report. To this day over 60days later the inaccuracies have not been resolved yet. I am being completely ignored and this is really not fair to me. I researched some of the law and i found out that Section 611 a says that a failure to investigate these items within 30 days give a reason for a complete removal of those item in my credit report. In my case it has been over 60 days therefore i should expect a deletion. Please remove these items promptly since the law was violated here. My information was also impacted by the equifax data breach that happened couple years ago and who knows have my information right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Mom died XX/XX/XXXX. Dad, next of kin/beneficiary, is XXXX  and not up for XXXX until XX/XX/XXXX. Dad signed PoA to me, their son. Dad was payee to Mom 's life policy, a check dated XX/XX/XXXX in the amount of XXXX . Dad asked me to use the PoA to deposit the check in order to pay off the house where my grandmother and grandfather, both retired, my two younger brothers, and I live, so that we would be taken care of. Our ages are XXXX, XXXX, and XXXX. I opened the account, depositing the XXXX $ check with the following bank on XX/XX/XXXX : BB & T, now Truist, XXXX Branch, XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. I had the PoA ready in case they needed it, but no one asked for it. Now BB & T has opened the account in my name but has frozen it and will not allow me access to the funds due to their bank policy, because my dad does not have a BB & T account. In the meantime, the check has cleared on the payor 's end so there is nothing they can do to help resolve this issue. During this time I drove to the XXXX branch several times to speak with the branch manager who was never available, called BB & T, my mom 's insurance company, and her insurance agent to help me resolve this issue. After a visit to the XXXX Branch on XX/XX/XXXX, it seems like the local branch had stopped even trying to resolve this issue. Finally, I called the corporate office on XXXX, they told me I would either have to get a lawyer or wait for my dad to get out of XXXX  in order to access the funds. But the account is in my name, so I am not sure how that will help. It has been well over 30 days, and BB & T is no closer to resolving this issue. It is possible they just don't know how to resolve my issue, is there anything you can do to help?

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA.

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 

Fraudulent Accounts XXXX XXXX XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC
State: OK

Complaint narrative:
CKS reponsded to a complaint by stating the following : Company 's Response Thank you for the recent notification of the complaint filed by XXXX XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Upon notice of the complaint, a member of our Compliance Team conducted an investigation into the allegations. The result of that investigation and our response follows. We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. For concerns regarding how it is being reported to the Credit Bureaus we suggest XXXX XXXX XXXX to contact CKS Prime XXXX, XXXX directly. We invite XXXX XXXX XXXX to contact a member of our Compliance Team, if there are any questions. A member of our Compliance Team is available Monday through Friday from XXXX XXXX  to XXXX XXXX Eastern Standard time and can be reached directly at XXXX or at XXXX Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS Financial is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX  is showing its late 120 days with a balance in collection. The reporting again is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. This information violates the FDCPA section 807 and also FRCA 15 USC 1681 A, USC 1681 # 2. They are infringing on my right to privacy and I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The due date for my account was XX/XX/2021 at XXXX ET. When I attempted to pay my bill on XX/XX/2021, the balance due was {$40.00} higher than the statement balance. I assumed this was most likely due to a late fee being assessed on the account as the statement indicates is possible if payment is not made by the due date and I've not made any additional purchases with the card since the statement date. When I attempted to view the recent transactions to confirm by suspicions, there were none. So I chatted with a representative on the web site and I was told if there was any activity on the account recently ( aka memo posted transactions ) that it was not visible to them for 24-48 hours. I then attempted a phone call and was told the same thing with the additional details that the balance updates every 15-20 minutes or so but the transaction details only update every 24-48 hours. As a consumer, this seems deceptive to me that a credit company could assess fees on customers ' accounts and the customer be unable to get details about these fees. If the system in use can reflect memo posted transactions in the amount due, it should also be be able to reflect the same in the transaction history and that information be available to the customer or employee.

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2021 I XXXX XXXX request help concerning my refinance by Wells Fargo Mortage that is being handled with total incompetency, rudeness, lies, and riddles of total confusion. I need a straight and truthful answer concerning my loan estimate ; also I need a copy of my appraisal for my review. I have been treated like my request for cash out refinance for my home is not even important. I have to constantly babysit my loan process. All of my information that was requested was turned in promptly after I was treated like I was to ignorant to comply, I tried so hard to inform the representative that all of my funds were deposited directly to a XXXX XXXX card and not a bank, I was still pressured and told to walk in a bank and request a bank statement. A decision for my cash out amount was made already. I still have not yet received a copy of my appraisal for review to see if my house even received a far market amount I was told that the appraisal had been uploaded and the amount was XXXX. I have to practically beg for everything. I was even told buy a representative who said " I don't have time to call you all day ''

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am contacting you because I found some information that is inaccurate on my credit report. The date of last active you are reporting for the below accounts dont match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : Account Name : LVNV Funding LLC Account Number : XXXX Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. This report is also has a late payment status of 120 days and its in collection, and high credit limit is missing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on a number of occasions i reached out to Equifax over the phone and spoke to different representatives who assured me that they would take care of the problem I was having. The complaint is about Equifax reporting inaccurate information as well as misinformation on my credit report. For example equifax has been reporting a balance of {$2000.00} on a XXXX  XXXX account listed as closed status on my credit report when in fact the balance should be reflecting a XXXX  balance instead. Because this information is being reporting inaccurately, according to the FCRA it should be completely REMOVED. This means that i am not asking Equifax to update the balance to XXXX  but to remove the account for reporting inaccurately. Secondly, as of XX/XX/2021, a number of accounts have gone missing including a student loan account which I was paying off along with other authorized accounts. I have enclosed images ( screenshots ) of my equifax online portal for two different months to show the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX To Whom It May Concern : I am sending this over because there are fraudulent accounts on my credit report. These accounts are NOT mine ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of both my social and my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of permissible purposes of consumer reports, 15 USC 1681b- ( a ) ( 2 ). NO CONSENT IS IDENTITY THEFT. Please also send me an updated credit report reflecting these changes. Thank you. 

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX/XXXX  Inquiry : XXXX XXXX, XXXX XXXX/XXXX  XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Please review the attached copy of 605B of the FCRA for your recollection. Thank you Along with this letter I have sent the following : 1. FTC Claim 2. A copy of section 605B of the FCRA, that requires you to block this fraudulent information within 4 business days.

3. A picture of My license which should be enough to identify me being that you have my alleged personal information without my consent

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX To Whom It May Concern : I am sending this over because there are fraudulent accounts on my credit report. These accounts are NOT mine ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of both my social and my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of permissible purposes of consumer reports, 15 USC 1681b- ( a ) ( 2 ). NO CONSENT IS IDENTITY THEFT. Please also send me an updated credit report reflecting these changes. Thank you. 

Fraudulent Accounts XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX Fraudulent Inquiries XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Please review the attached copy of 605B of the FCRA for your recollection. Thank you Along with this letter I have sent the following : 1. FTC Claim 2. A copy of section 605B of the FCRA, that requires you to block this fraudulent information within 4 business days.

3. A picture of My license which should be enough to identify me being that you have my alleged personal information without my consent

Company response to consumer: Closed with explanation