vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2024-01-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Finance of America Holdings LLC
State: GA

Complaint narrative:
This complaint is a continuation of 3 previous complaints for an issue over the last 18 months. The escrow account is being overcharged first with lender placed insurance now overcharging the escrow account with multiple unnecessary charges. 

Contacted Finance of America ( Lender ) via email XXXX regarding the matter but no response. I was advise that was the only contact available.

Finance of America contracted XXXX XXXX to manage the loan and I need their help in getting the escrow issue corrected. There is confusion about 1 piece of property having multiple buildings on it. Its one address for property taxes, deeds, and insurance. Im submitting additional information.

**What should be happening with Escrow** Insurance Policy Cost {$5100.00} ( 2023 ) Taxes Cost {$3500.00} ( 2023 ) Total Escrow Requirement {$8700.00} Escrow Payment Requirement ~ {$720.00} Mortgage Payment ~ {$2400.00} or less. 

**What is currently happening with Escrow XXXXXXXX XXXX  Escrow Charges {$5100.00} Additional Coverage $ XXXX XXXX Tax {$3500.00} {$5100.00} Homeowners Insurance {$5100.00} Wind Coverage {$19000.00} Total Escrow Requirement Escrow Payment Requirement {$1500.00} Mortgage payment {$4000.00} **Note : Wind Coverage is included in the property policy. 

Original Closing Attorney Contact XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, GA XXXX Attachments : Security Deed ( See Exhibit A and Schedule 1 only parcel XXXX ) COI ( Proof of coverage for entire parcel XXXX ) Tax Information ( Taxes based on 1 parcel XXXX ) Escrow Analysis ( Loan # Included ) Arial View of Property from Appraisal includes everything on Parcel XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Synchrony XXXX Fleet Rewards Credit Company states their policy is to credit accounts accordingly for any payment made by midnight of the due date. The latest of THREE occurrences, all with similar timing, is : My credit union shows the electronic payment I scheduled for the due date of XX/XX/2024 as being sent to the credit card company on XX/XX/2024. The credit card company sent a bill for XXXX with late fees and interest because they say that payment from XXXX was made/processed on XX/XX/2024, a day AFTER the due date and 2 days after my bank account shows the payment as being made. I have called the credit union and they confirm that the dates shown on the account are the exact date e-payments are sent. Other payees paid by my credit union are showing e-payments made on the date that the credit union shows the e-payments as being processed. So I am VERY confident that this issue is with the Synchrony company not processing payments on time vs my credit union being late. Synchrony has removed the late fees and interest payments for these 3 incidents after calls and complaints were made. Their recommendation is to make payments earlier to avoid late fess and interest charges. I believe these incidents show fraud on the part of the Synchrony company with these junk fee charges. They are not following their written policy and are systematically posting electronic payments 24-48 hours later than when payment is sent, then charging late fees and interest to users.

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 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, we leased a new XXXX from XXXX XXXX in XXXX XXXX, Florida. As part of that lease, we traded-in another leased vehicle that was leased through XXXX XXXX XXXX XXXX XXXX XXXX ), from XXXX, New York XXXX XXXX erroneously reported our last lease payment ( from XX/XX/XXXX? ) on the old vehicle as late. After failed ( denied ) attempts to dispute this information with all 3 major credit reporting agencies on XX/XX/XXXX, we submitted, via US certified mail, a letter dated XX/XX/XXXX, for XXXX to investigate their reporting of the late payment. This reporting caused our otherwise excellent credit scores to drop nearly XXXX points directly as a result. On XX/XX/XXXX, I received an e-mail from XXXX indicating their investigation, reference # XXXX, " determined an amendment to the information being furnished is warranted. We have requested the agencies update your credit profile to remove the negative reporting for XX/XX/XXXX. '' and then they stated " Please be aware that although we have submitted this update electronically, the agencies may take thirty ( 30 ) to sixty ( 60 ) days to reflect the amendment on your profile. '' I replied to their e-mail on XX/XX/XXXX stating that it had been more than 60 days and the negative information is still being reported to all 3 credit agencies. Their automated system replied that I would hear back in 10 days or less. Today is the XXXX day and I've heard nothing. I've sent them another e-mail today however I can not wait any longer as it's been nearly XXXX days since my initial reporting to them and nearly XXXX months since this whole issue began to fix their error. I am attaching the e-mail chain with XXXX and a screenshot from my Equifax credit report ran today, XX/XX/XXXX, that still shows the delinquency AFTER the account was closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Us Department of ED Accounts # XXXX and # XXXX are over 7 years and should not be on my Consumer Files

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 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On Monday XX/XX/XXXX I deposited {$5200.00} in cash and a check for {$2300.00} at the ATM of Bank of America located at XXXX XXXX XXXX in XXXX MA. After depositing the money the machine shut down and I was unable to get a receipt. I called the number on the ATM and after waiting a while got connected to a person. The person explained that they would do some research and I would get a temporary credit to my account within 48 hours. I waited until Thursday XX/XX/XXXX and there was no credit to my bank account. I called the bank and after waiting on hold was eventually put in touch with a representative. The person after a while said she could see no pending credit and transferred me to the fraud department. After waiting on hold again I finally got a representative who then told me that it takes 10 business days to get a temporary credit. I was so mad. I told him that his colleague two days earlier had told me on a recorded tine that I would have the credit in 48 hours. I also asked him why it takes 10 days to balance an ATM machine, there was a camera over the ATM which clearly showed me making the deposit and this to me is completely unacceptable.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Credit Management LP has bought this debt ( XXXX XXXX XXXX ) for the sum of {$310.00} from XXXX XXXX XXXX XXXX which was removed by XXXX XXXX I am a victim of identity theft and would like it removed as soon as possible, This item is constantly resold to different collection agencies. I have provided a police report to them, a written affidavit of identity theft, an FTC affidavit, a bank statement to verify address, social security number, and, driver 's license. and they will not remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX After sending many rounds of disputes with certified tracking numbers I am beginning to think Equifax is avoiding following consumer laws. As a consumer I request to know all the steps your agency took to ensure these items were 100 % accurate. Under USC 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I never received any documents which are required by law. THIS IS NOW considered a consumer violation. You ( Equifax ) were obligated to do a complete and 100 % accurate investigation on my disputes, that I sent out certified, I received results back on XX/XX/XXXX via Equifax online portal for Accounts : XXXX and XXXX and you CLAIM they came back verified? 

USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


PLEASE SEND THE FOLLOWING INFORMATION USED TO VALIDATE THE ITEMS ACCORDANCE TO USC 1681i ( 7 ) and USC 1681i ( 6 ) ( B ) ( iii ) OTHERWISE DELETE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY accordance to USC 1681i ( 5 ) Accounts : XXXX XXXX  I would love to avoid litigation on this matter if possible. 



Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Gemini credit card company has refused to update my balance to the correct amount after XXXX months of payments and is now charging me interest on a balance that is incorrect. I have contacted them over five times now to resolve the issue and they continue to lie about the current balance on my card. XXXX months of payments have gone by and the balance has not updated to the correct amount for me to pay off the card in full. This is fraudulent activity on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
Car insurance XXXX. Asked collection agency to take off the negative remarks from my credit report. I told them of how much I can afford to pay but told me I had to pay more. If I could not they would report to the credit bureaus which they have. I am on a fixed income and the insurance became too much to pay. I intent to pay the debt off but can only do so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This card is virtually useless. I'm unable to spend the money on it. I was able to use it a single time after which it is now being declined anywhere I use it. It originally had {$50.00} in it, I was able to spend {$12.00} on XX/XX/XXXX. A payment was declined the following month, and several payments were declined on XX/XX/XXXX to XXXX different vendors. 

These AMEX ( and most other ) cash gift cards are complete scam and offer none of the convenience that they advertise on there website. They claim to be a good gift that is better than cash, but impose " security measures '' to make spending the money more difficult. They also DIRECTLY SUPPORT SCAMMERS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: MN

Complaint narrative:
I had a payday loan with Cash Central on XX/XX/ that I made an arrangement to pay in four installments. I sent an email request on XX/XX/XXXX XXXX  to revoke ACH Authorization, so no further payments would be withdrawn from my account, which they confirmed the next day via an email back to me. However, the next three payments on XX/XX/XXXXXXXX XXXX XXXX and XX/XX/XXXX all withdrew from my checking account, meaning that Cash Central did not honor my ACH revoke request. I revoked my ACH Authorization, due to my recent filing for bankruptcy. 

On XX/XX/XXXX, XXXX and XXXX, I spoke with three different Cash Central agents on the phone who gave me different information regarding this. The first Cash Central agent I spoke with on the 5th told me that as long as I sent screenshots of the money that was withdrawn from my bank account, they would send me the money back. I did this, however, still did not hear back. 

The second Cash Central agent I spoke with on the XXXX named XXXX told me he would forward it to a supervisor and would reach back out to me. I did not hear back. The third agent I spoke with on the XXXX named XXXX ( who helped me with the pay in 4 arrangement originally ) said that revoking ACH Authorization was only for XXXX days, which I did not know from any of the email correspondence previously about this. 

I spoke with Cash Central / Community Choice Financial on the phone on XXXX XXXXXX/XX/XXXX and I was told that I was previously notified that there was a review that they were doing that was to take up to XXXX business days, however- I was never notified of this in the other three phone conversations I had with agents there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america is an account that was not been late on XXXX, this was for 30, 60 and 90 days late .... they must to send me proof of this account was late .... because this accoun must to change the status from close/ late to Close /never late..

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Transunion didnt 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 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

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