vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its 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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: I.C. System, Inc.
State: GA

Complaint narrative:
I have a collection on my credit from I C Systems. When I called, they said theyre a vetinary collection agency and theres a collection from banfield for {$630.00} of unpaid vet fees. I do not have a PET, so I am lost and confused on why I have vet bills. Ive never even been to a vet. This 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 explanation
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 I have disputed these accounts multiple in an attempt to get them investigated or deleted . They have violated my rights numerous times. According to 15 U.S.C.1681 section 602 A states that I have a right to privacy. According to 15 U.S.C 1681 section 604, A section 2 states a consumer reporting agency can not furnish an account without my written instructions. They have not provided proof that I have provided written instruction because I have not. They also have violated 15 U.S.C 1681 section 603 ( 3 ) ( E ) which states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer..

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. Stats 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

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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 has violated my rights. Or the list of inquiries : 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 an 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 or 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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I previously received a personal loan ( interest-bearing loan ) in the amount of {$10000.00} with an interest in a total of {$13000.00} estimated. For the first three months of the loan, I made monthly payments of {$420.00} and on the fourth month, I paid {$3000.00} towards the principal. I was told that the next payment was due five months later. I started up my monthly payments of {$420.00} with my balance being {$10000.00}. For the last year, I have made monthly payments of {$420.00} and there has been no change in my balance. I spoke with several representatives and was advised it is an interest-bearing loan which only means interest is applied to the loan, but I don't understand why a total of {$5000.00} haven't been applied. Not even a {$1.00} has dropped off when a year of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In according with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under USC 1681 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, # XXXX, and 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 # 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, has violated my rights.

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 1681 c. ( 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. 1681 s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hard inquiries were placed on my credit report due to identity theft and my credit report was destroyed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Filing a Complaint on Comenity Bank for XXXX XXXX account, set up an arrangement 4 times since XXXX, and they still keep taking money out of MY BANK ACCOUNTS, My Account was put on ACH DEBIT, to debit out every month then they keep calling me since XXXX about account past DUE, and it has not been, I spoke to someone today XXXX XX/XX/XXXX, to discuss ANOTHER Payment and emails stating it is time for a payment. I am not really understanding this ; The person I spoke to today is seeing that they DID NOT DO THE FIRST ARRANGEMENTS, AND THIS ONE THEY ARE TAKING OUT PAYMENTS TWICE A MONTH. Causing my account t be in the negative all the time and overdrafts charges, and I have told the BANK but they are still letting the cedit come through ( XXXX XXXX ) another problem ... As a consumer many is getting tired of being OVER CHARGED, and these bank representatives, not putting in the right information, this world is already in a mess with people 's money and it is hard to make it. My payment were {$40.00} a month then all of sudden they claims it was not taken out and my BANK ACCOUNT shows different, then payments was set up for {$94.00} a month still, was taken out and they called again about NO PAYMENTS ... HOW??? now in XX/XX/XXXX arrangement we made for XXXX for the XXXX of every month bur they took money on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX... Thee Representatives Problems, also if your Bank or Credit Union is told NOT to let the DEBIT comes through and they still do it is THEIR FAULTS and the charges late fees causing your account to have a heavy balance, and IT NEEDS TO STOP, with COMENTY, OR WHOMEVER. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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 has violated my rights. Or the list of inquiries : 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 an 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 or 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 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Working with California Mortgage Relief and Schools First, my lender.

Schools First engaged in a pattern of lies and deception for almost a year as they scheduled 5 foreclosure sales on my home without informing me of a single one of those sales. " Lost '' my paperwork for the program XXXX times ( not an exaggeration! ), then used these " losses '' of paperwork to schedule even more foreclosure sales. " Lost '' recorded phone calls proving I had an agreement with them. " Lost '' details of other numerous phone calls I made to them. 

I filed a complaint with the CFPB - their response? " Why, we here at Schools First are *wonderful* at customer service. XXXX XXXX is just a grouch and he complains all the time ( by the way, almost 40 years there and I have never complained before! ). We do everything right and he's just a meanie! '' As of now, the California Mortgage Relief allows {$80000.00} to catch up. I was {$36000.00} behind and they illegally added late fees and interest ( against the law when the amount is in dispute ), ballooning it to over {$75000.00}. That leaves {$5000.00} for the 2nd mortgage. I applied for that {$5000.00}. I sent Schools First screen captures showing that I had applied for the rest of the funds to be applied to the 2nd mortgage. They then IGNORED ME COMPLETELY, REFUSED TO RESPOND, and then sent each other emails saying " DON'T RESPOND TO XXXX. '' They also through lack of technology skill and general lack of intelligence SENT ME THOSE EMAILS. I have attached a sample from the DIRECTOR of Loss Mitigation at Schools First

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update it to current/ paid as agreed.

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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I brought XXXX XXXX XXXX  and in XXXX  with Well Fargo Bank and the interest rate was very high and did try to refinance though they denied me. I have been paying the loan for six years. In XXXX XXXX the car was stolen in a park n ride in XXXX XXXX, Washington. I am working with my insurance to see if the car is fixable or if they will pay it off. But Well Fargo decided to change off the car before the insurance finished the process. Well Fargo Representative told me on the phone they will unstill my insurance process. After a few days I received a call from Well Fargo and the representative said that my car was charged off which will impact my credit now. Well Fargo reported that I was late on the payment which was not true.

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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
XX/XX/XXXX a loan payoff payment was accepted and processed. Payment from XXXX XXXX In XXXX, Maryland to KIA Motor Finance ( KMF ). 
XX/XX/XXXX automated payment was taken from my personal checking account. 
XX/XX/XXXX I called KMF for the first time and I was told that the overpayment refund check was mailed to XXXX KIA to a po box that KMF had on file. 
The same date ( exact date unknown ) I called XXXX KIA and was told by the Finance Manager that the dealership had not used that po box in several years and they likely would not receive the check. The dealership recommended that I call KMF back and ask that the check be stopped and re-issued to me. I called KMF back and explained the situation to them and requested that a stop payment be made on the check and asked that it be reissued to me as requested by the dealership. A KMF rep told me that the request would be Putin their system. 
Two weeks later I called KMF to request an update and I was transferred to their escalation team where I was told that no action was taken because the dealership would have to call to make that request because the check was originally sent to the dealership. I called the dealership and asked the Finance Mgr call to make that request. The finance mgr called me back that same day to tell me the call was made and that KMF representative told them that they would submit a request for stop payment on the original check and reissue of the check in my name to my address based on the dealership request. 
On three occasions after that call, I spoke with three members of the escalation team and was told that their system showed requests but no processed payments. On each occasion, the last being XX/XX/XXXX I was told the requests would be processed and a check would be mailed within 10 business days. 
Finally, on XX/XX/XXXX I spoke with XXXX of the same escalation team and was told that KMF would not reissue the check in my name because it had to be reissued to the dealership and that they would require a phone call again from the dealership for information on where to send the check for the dealership. At no time in any of the prior phone calls was it mentioned to me that an additional call from the dealership would be required. I explained this to XXXX and she said that she cant control what other people told me and their processes are only incoming that they can not make phone calls to a dealership or to a person to tell them what additional actions needed to be taken to rectify the situation. 
Meanwhile, I have a call into the dealership, finance manager, and I am waiting for them to call me back so I can explain that they have to go through this process to receive the check and then they can issue the check to me separately.

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 2023-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/XXXX I made an online money transfer through Money Gram to XXXX XXXX. I sent the amount of {$2000.00} plus {$1.00} fee to the receiver. The amount was withdrawn from my bank account. Later on I was notified by Money Gram that the bank in XXXX XXXX had rejected the transaction and to contact them ( Money Gram ) to start the process of a refund, which would be refunded to the same bank account I had used. Once I contacted Money Gram, the agent said the refund had been issued and to wait 10 days for it to appear on my bank account. I gave it a couple of extra days for the refund to show on my statement but it never did, which prompted me to contact Money Gram once again to ask about the refund. The agent told me the refund had been completed and they couldn't do more for me. Instead, the agent said to get in contact with my bank because the bank needed to release the refund to the bank account. I then got in contact with my bank and they started a claim. The bank gave me a temporary credit on XX/XX/XXXX for the amount of {$2000.00} while they worked on the claim. Bank did two claims but Money Gram did not pay the refund and my bank was forced to remove the temporary credit on XX/XX/XXXX. I have since then called Money Gram on multiple occasions but I get the same answer every single time, that it's now up to the bank to release the refund. I have asked Money Gram for proof stating the refund was completed but they refuse to do so, stating that they don't access. I get transferred from " manager '' to manager who proceed to give the same answer and for some weird reason they can't provide me any proof of the refund. As of today, I have not received anything. The bank did what they could but the money has not shown up on my bank account.

Company response to consumer: Closed with explanation