vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 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 show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I called on main financial to let them know I didnt want the additional package they were trying to add to my loan so after said and done, I was told if I dont take the additional package, Im not able to receive the loan I was forced into getting this package I complaint about it and the outcome was its too late. You cant cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: IL

Complaint narrative:
On XX/XX/2023, I placed an order with XXXX for XXXX XXXX XXXX XXXX XXXX totaling {$2100.00}, with the XXXX option consisting of a {$250.00} deposit and {$69.00} monthly payments. However, after three weeks, I had yet to receive the product/service. On XX/XX/2023, I contacted the company 's customer service department to inquire about the status of my order. 

In response to my inquiry, XXXX assured me that my order would be expedited and provided an estimated delivery date. Unfortunately, this date passed without any further updates or delivery of the product/service. 

On XX/XX/2023, after several unsuccessful attempts to follow up with the company, I made the decision to cancel my order. I communicated my decision to cancel to the company 's customer service team via phone and email, providing all necessary details. The company confirmed the cancellation, indicating that a refund manager would contact me. 

However, on XXXX, 2023, XXXX announced the wind-down of its global operations, rendering aligner treatment unavailable through their platform. Consequently, all orders that had not yet shipped were canceled, and refunds were not processed. 

Despite canceling my order, I have not received a refund for the amount paid. Additionally, I continue to be charged by Healthcare Finance Direct ( HFD ) for the monthly installments for a product/service that was never delivered. 

I have attempted to address this issue by disputing the charges with my credit card company. However, HFD asserts that the cancellation of my order is invalid as I did not cancel my account directly with them.

Furthermore, I have been subjected to harassing phone calls from HFD threatening to send me to collections if I do not make payments, despite my refusal to pay for a product/service I never received. 

Please forward this message to the relevant department or individual within the company for their attention and necessary action. 

Thank you for your assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: TX

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. 

Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: TX

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. 

Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i recently logged into my Experian credit file for to see a fraudulent XXXX XXXX account reporting a debt, i've made several attempts for an investigation from Experian, approx XXXX mins after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.

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 2024-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: TN

Complaint narrative:
I went to XXXX XXXX XXXXXXXX to apply for a loan for a car did not authorize this bank to land in my credit upon denial of the loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Deceptive sales practices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage purchased my loan and sent me a letter stating my insurance was being canceled and I had to purchase insurance. I contacted my insurance company and paid for the year. I contacted Freedom Mortgage and notified them that the insurance was paid. They continued to take money from my account for insurance and sent me a refund check made out to myself and my ex-wife. Since I have not been in touch with my ex-wife in over XXXX  years the check is useless. I called customer service and was told to send them a copy of my divorce decree which I did. I was later contacted by Freedom Mortgage and told there was nothing they could do.

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 2024-03-23 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: PA

Complaint narrative:
After disputing credits that are 7 years and older to be deleted, credit bureau still showing old credit as new and refused to comply with request to take them off.

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 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I rental a car in XXXX. Chase told me my credit card provided insurance. They sent me a letter proving this prior to my trip so I could show the rental company. The car was damaged in a parking lot while I was renting it. When I returned the car the rental company demanded a hold on the credit card for the estimated repairs of XXXX. They literally would not drive me to the airport ( XXXX miles away ) until I let them put a hold on the card. I almost missed my flight. 

The rental company told me they would email me the actual bill and final charge. They never did. I asked multiple times and they refused. I disputed the hold charge with Chase and they said it was valid, but they also said I can't file an insurance claim because I don't have an actual bill, just the hold charge. The rental company has no incentive to send me the actual bill because Chase is letting them keep the full hold XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received a gift card administered by XXXX XXXX XXXX The card expired before I used the entire balance, so I contacted the company to get a replacement card. They instructed me to fax them copies of my driver 's license and the gift card along with my phone number. I did this multiple times over several weeks and was told each time there was a technical issue with my fax. When I called to address the issue after the faxes no longer worked, I was told to use their website for a replacement card. The website replacement form doesn't work on any browser. After this, I finally called three times in a row on one day, and was hung up on each time until I spoke assertively about speaking to a manager. It's been 4 months since I began the process of trying to get a replacement gift card. 

Their phone number is XXXX and their website is XXXX XXXX XXXX. I will continue trying to attach a copy of my faxes here.

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 2024-03-23 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: KY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
My account with NAVY FEDERAL CREDIT UNION was never late. I have had exceptional payment history with NAVY FEDERAL CREDIT UNION 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 XX/XX/2024 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 XXXX  days before the payment due date.

NAVY FEDERAL CREDIT UNION Never Sent the
periodic statement along with the DISCLOSURE from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX  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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
Submitted borrower defense cases in late XXXX due to the schools ( XXXX XXXX and XXXX XXXX ) being accused of misleading students alongwith false promises. Borrower defense cases were approved in XX/XX/XXXX. Havebeen trying to get a resolution from the Department of Education and my loanservicer ( XXXX ) for the last year. However when reaching out to either one, theyimmediately start pointing at the other company for resolution. Was informed byXXXX on XXXX that a refund of {$5300.00} was to issued. However thatmoney has not been received. Court documents attached show that all of thestudents loans and credit repair was to be completed by XX/XX/XXXX. However thishas not happened. Legal documents have been filed by the Project on PredatoryStudent Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: TX

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. 

Account Name : 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I ordered a bike at XXXX on XX/XX/2024. XX/XX/XXXX they responded " Your order is on ithe way ''. On XX/XX/XXXX, I asked via email ( XXXX ) " Do you have a tracking number ''. No response from XXXX until XX/XX/XXXX were they replied they were apologizing for the delay and that my item ( bicycle ) had been dispatched to their courier. On XX/XX/XXXX, I responded to XXXX, " Hmmm. No tracking yet. '' On XX/XX/XXXX, I emailed XXXX  again, " So still no tracking number. It's looking like there never will be a tracking number. So unless I get it by today or at least the name of a courier, I will be calling my credit card company and dispute this charge ( Citi ). No response from XXXX. On XX/XX/XXXX, I emailed XXXX let them know that I notified Citi since XXXX  refused to provide the tracking number or the name of the courier. No response from XXXX. On XX/XX/XXXX I emailed XXXX, " Since nothing has changed with my order, providing a tracking number/courier name, I am canceling order # XXXX, completed on XX/XX/2024 and request my {$98.00} payment for that order to be refunded to my credit card. '' No response from XXXX. On XXXX, I emailed XXXX, " Have you initiated my return yet? Not sure what you are waiting for. It's been 17 days since I ordered the bike and nothing yet. No courier name or tracking number since it was never sent to me. '' Again, no response from XXXX. I submitted a dispute with Citi and received a response back from Citi on XX/XX/XXXX saying they are reversing the condition credit and allowed me to continue the dispute. I sent Citi all of the emails explaining everything that I stated above. They add back the conditional credit of {$98.00}. On XX/XX/XXXX, Citi sent me a letter stating that they are working with the merchant ( XXXX  ) and their bank to get a permanent credit on my account and would let me know. Today, I received a letter dated XX/XX/XXXX that the dispute has been resolved and the customer is responsible. They took the easy way out after saying they are working on getting me a permanent credit 6 days earlier. I have every email I sent XXXX  and provided to Citi. Citi said they provided the responses from XXXX  regarding this dispute but I have never received them. Also, if you go to XXXX and click on " Visit our store ''. The next page says. " Something went wrong ''. " The store is unavailable ''. XXXX is a scam.

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 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We notified Bank of America of a check stolen through the mail and cashed within XXXX of it occurrence. Initally we were told that the funds would be replaced quickly. However since receiving the letter from the bank on XX/XX/year>, they have not updated us on the investigation status and gave us conflicting timeline for their " XXXX '' days investigation.

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