vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: MO

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy on this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023 I am now requesting you to investigate and provide verification proof with records showing that I had late payments on my XXXX account # XXXX. If this information can not be verified I demand these late payments be updated to paid on time immediately. Thank you for your understanding and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource management LLC, contacted me via text message on XX/XX/XXXX regarding a " supposed {$160.00} balance with XXXX ''. They also tried to call me a few time during my work hours. 

I responded to their text message Informing them that my last XXXX account was closed back in XXXX with XXXX balance, and I thought this was a satisfactory answer for them as they only acknowledged the message and didn't text further. 

To my surprise, they posted derogatory information to my credit report which cost me a mortgage financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Spring Equity LLC
State: VA

Complaint narrative:
SpringEQ failed to follow up with documents I submitted as part of the application and loan approval process. Specifically a signed auto-deduction form with my account and routing number that requested additional payment to principal be added to monthly auto-payment. The loan went to closing with their XXXX XXXX XXXX XXXX XXXX XXXX ). At closing there was no sign in the forms of my previously submitted auto deduction with added principal. Instead the closing agent/notary asked me to fill out another, which I did with the added principal for monthly auto pays. After closing I began to get correspondence of notification of first and enduring payment from both SpringEQ and XXXX, still at the original monthly payment. I reached out to SpringEQ who denied they did anything wrong, even though they had requested and received my form otherwise, yet sending notices without added principal. They made many attempts to completely blame it on XXXX, said they gave XXXX the form, and it was their fault. They failed to ensure those documents made it to closing. I will be filing a separate claim against XXXX  for them failing to honor the document I had to resign and submit at closing. Failing to properly process ( multiple times ) documents as part of closing, puts doubt on any of the closing documents as being properly processed and/or honored. They claimed to have reached out to XXXX and said I needed to call them to verbally confirm what I already signed, notarized, and submitted at closing. The number for XXXX was to an auto-helpdesk. SpringEQ washed their hands of issue that they contributed to and failed to make good on document they failed to ensure was possessed properly. They wasted my time and energy.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/24 I submitted a complaint ID XXXX that Portfolio Recovery Associates violated my consumer rights by reporting an alleged debt without me receiving proper notification of this alleged debt to dispute before reporting to the CRA 's . Portfolio Recovery Associates was asked to provide a copy of the Certified Mail Receipt with the delivery and receipt of all disclosures and documentation that was sent prior to reporting account number XXXX to the Consumer Reporting Agencies. As of this date and the response to the CFPB, they have failed to do so. Simply uploading a letter does not show verification that you followed the laws according to the FDCPA before reporting this alleged debt. The letter could be generated and dated for any date. 
Portfolio Recovery Associates you have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. You have not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Portfolio Recovery Associates, you have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). ( see attached ) Portfolio Recovery Associates you are violating my consumer rights by attempting to collect on an unsubstantiated debt.

Upon receipt of this complaint, along with a copy of the Certified Mail Receipt verifying that you followed all the federal laws in accordance with the FDCPA, also provide me a copy of the purchase agreement between you and the original creditor of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-28 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-28 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: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Contacted merchant in XXXX and XXXX of 2024 I am not able to send or receive money via the third party vendor, XXXX, that the bank uses for sending and receiving funds. I have made several calls regarding this issue but no representative has been able to determine the issue.

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 2024-03-28 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: CA

Complaint narrative:
PLEASE REMOVE THESE INQUIREIS FROM MY CREDIT REPORT ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These reporting is not correct, I am receiving stall letters from the bureaus

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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I have been banking with SoFI for about a year now. I received my direct deposit from my job of roughly {$1500.00} last night like I have been every other Wednesday/Thursday for the past year and when I attempted to send my roommate money for my bills I got an email saying my account was restricted. When I call them I am repeatedly told they have no idea why, no update on the status, no direction on what I can do or provide to fix this, and 2 of their people even hung up on me even though I wasn't rude nor did I raise my voice/become belligerent. I am in danger of being homeless if I am not able to reach my funds.

Direct Deposit + Account frozen on XX/XX/28. 

I have observed that this has been happening to plenty of other people as well via various Social Media platforms, and I refuse to be another one of those people sitting by while this company steals my money. I am already seeking a lawyer because they think we don't have access to legal resources to fight for what's ours- we do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received an email on XX/XX/year> that both my checking accounts are restricted. I tried to use my debit card on XX/XX/year> and it was declined. On XX/XX/year> I called Chase Bank to see what was going on as I have been a long-time customer with no issues. I was advised they are terminating the relationship and closing my accounts. No explanation was provided. I was also informed I am not able to withdraw the thousands of dollars in my accounts. I am leaving the country and have no way to access my own money and no way to receive a paper check from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: LA

Complaint narrative:
Subject : Notice 15 USC 1681s INCORRECT NAME ON CONSUMER REPORT Dear CFPB, Transunion is intentionally reporting incorrect name under my consumer report. Despite multiple notices and requests to correct this information. 15 U.S.C 1681s2 ( A ) ( 1 ) A states 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. 15U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion Consumer Relations is not maintaining reasonable procedures.

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 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Newrez manages my mortgage payment and escrow account. This situation started when I switched my home owners insurance policy and I sent all policy information to Rewrez as instructed. I needed that insurance payment removed from escrow because I paid it upfront in full to my insurance provider. They added the insurance provider to my escrow account and paid it again, which sent my escrow account into the negative. Initially, online, I tried to make my monthly mortgage payment and a payment to escrow to bring up the escrow deficient after they paid the home owners insurance policy ( they were told not to pay it ). The payment on XX/XX/XXXX was sent to the wrong bank. There is no way to verify, online, payment sources and that option is not available in their payment portal. I will accept that responsibility of not updating my banking information on payments returned as NSF due to the incorrect banking institution being listed in their system. On XX/XX/2024, over the phone, I made a lump sum payment to cover my monthly mortgage ( {$910.00} ) for XXXX and an escrow payment totally {$1500.00} ; and updated my banking information.This transaction in the amount of a lump sum payment of {$2500.00} was posted to my banking account on XX/XX/2034 to cover the monthly payment and escrow payment. 

Newrez, on the same date I made the {$2500.00} payment over the phone, added {$1500.00} to escrow and then deleted it stating the bank returned this payment, which they did not and applied my monthly mortgage payment for XXXX in the amount of XXXX. These two payments came out of the {$2500.00} they collected on XX/XX/2024. 

After several phone calls, sending them documentation, and hours of listening to nonsense telling me my XX/XX/XXXX payment in the amount of {$2500.00}, which posted as paid by my bank on XX/XX/XXXX was rejected by my bank, they finally applied the {$1500.00} from the XXXX payment to my escrow account today BUT also today I received a call from collections telling me I didn't make my XXXX payment ( made on XX/XX/2024 ) and then tacked on a late fee for a payment posted on XX/XX/2024 and cleared my bank on XX/XX/2024. So I have no idea what they have done with my XX/XX/XXXX loan payment, and neither do they as evident by a collections call today saying they never received the XXXX payment. This fiasco has been going on for weeks, and I'm done. They just keep compounding their mistakes and who knows where my XXXX payment of {$910.00} went to. I can't find any relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX is reporting false and inaccurate information on my credit report i I request a credit report from esperian and notice discrepancies. Eventhough XXXX has removed such inaccurate infor XXXX  refuses to and also refuses to supply me with documentation of proof of such accounts such accounts as XXXX credit card XXXX credit card XXXX credit card and XXXX credit card which I never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Bank has created a system where they intentional post dated a withdrawal ( by check ) to create an overdraft and then cause fees to be charged to multiple accounts to their benefit. 
In this case in Account A, I had XXXX and in account B I had XXXX, I had a prearranged transfer out out account B for XXXX that would post on the XXXX, I also had XXXX of incoming transfers to account A that would post on the XXXX, and an Additional funds incoming that had not posted yet. 

The bank then post dates a check form account A to come out after hours on the XXXX ( nothing was posted at XXXX XXXX  when I last looked, and at this point it looks to me that it post AFTER Midnight so it should of been a withdrawal on the XXXX ), so that they would initiate a fee on account A, then Transfer roughly {$55.00} out of account B, which would cause account B then to also incur a additional fees for the transfer coming out. Creating a cascade of fees for multiple accounts. 

To add to all of this confusion the banks has also created a situation where it is hard to identify my accounts externally as most institutions for security will only show the last 4 digits of an accounts, and have given me multiple accounts that end in the same 4 digits. 

I believe these actions are anti-consumer, and I point to XX/XX/2022, when the CFPB issued a circular to the other federal banking regulators making the case that such authorized-positive fees constitute an unfair act or practice.

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 2024-03-28 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 XXXX  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