vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I had a dispute with a solar panel company. I asked the company to repair my solar panels. They came to my home and did not complete the job. I talked with them for months about completing the job to be paid. We were never able to reach an agreement about the billing and/or the work. They created an invoice and turned it over to a collection agency, XXXX XXXX XXXX. I told the collection agency that I absolutely do not owe this amount. The agency reported this to Experian. I disputed this several times with Experian and asked for the back up documentation to support this on my credit report. They said that they don't have any documentation, only the " word '' of the collection agency saying I owe this. I disputed it 3 times and added a statement on my credit report. They should have to prove that i owe this before placing it on my credit report.

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 2023-05-03 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: Lentegrity Management, LLC
State: FL

Complaint narrative:
My car was totaled and my insurance paid ( Lintegrity loan company ) the value of my car but I had a remaining balance of {$2600.00}, On XX/XX/2023, {$1800.00} was reported as charge off on my credit, I reached out to Lintegrity company to because the information stated was incorrect I was informed by the rep to file a complaint to get it off being as they didnt inform me I had to pay off my remaining balance within 60 days of previous insurance payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit Card in dispute is with [ Walmart Credit Card ], issuer by Capital One # XXXX, went inside Walmart to make my schedule payment { before the due date of XX/XX/ }, moreover, inquired through Cashier the payment amount, the payment due cashier stated was {$35.00}, made a cash payment inside store located in XXXX CA. I called on XX/XX/2023, to make my next payment due, prior to the due date of XX/XX/2023, and was told by the automated system over the phone, my schedule minimum payment due was astounding amount of {$74.00} ; furthermore, I was stifled at the amount given, I then immediately called Capital One for clarification, they informed me I didn't make the correct payment and as a result I'd be penalized additional amount because my payment was short by {$4.00}, I made a request for waiver of fees accessed and was told by Capital One they'd rectify this oversite ; called back to my surprise after agreeing to make my XX/XX/2023 payment in the amount of {$39.00} early that none of the fee had been adjusted, I tried talking this over with several representatives to no avail, I couldn't get any results, I was furious, I told the Manager he was not helping me resolve the matter, moreover could I speak to his Manager, and his reply was NO!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: OH

Complaint narrative:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is governed under 15USC 1681, And they violated my rights numerous times. I demand the accounts listed below to be vanquished from my report because... According to 15 USC 1681 I have the right to privacy and did not give permission to Equifax to apply these accounts to said report. [ 1 ] ComenityCapital/AAARewards- 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
This is an update to complaint XXXX. In the companies response to the complaint they reported to the CFPB that {$3600.00} was given as financial compensation. This is incorrect, the {$3600.00} went to the old homeowners via XXXX. XXXX refunded that amount to the old homeowner as a result of M & T paying the old homeowners insurance along with my XXXX  insurance. M & T Did refund the amount charged in error to my mortgage, refunding payment taken in error does not count an compensation. I'm aware that M & T lost this money because they were not able to recoup the money for their mistake through XXXX. But this doesn't count as compensation either, the payment didn't go to the party who was affected by their error. I'm out weeks of time getting my loan assumption squared away. I have lost money through not being able to obtain a loan as a result of their errors, I have an issue with this being reported to the CFPB an compensation.

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 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Select Management Resources, LLC
State: NV

Complaint narrative:
I defaulted on a title loan in the beginning of XXXX they repossessed my car. I owed {$1700.00} at the time of repossession. They informed me that to get my car back I have 7 days to pay {$3400.00}. They were charging me {$1700.00} for repossession fees, storage fees for 7 days and towing fees. Which seems excessive. Well on the 8th day they auctioned my car. They sold it for roughly {$6900.00}. I received a letter from the company stating the overage. Letting me know I was owed {$3500.00}. I called the company to receive my money I was told a check would be issued in 30 days. Its been almost 120 days and no payment from them. Every time I call the tell me there is no updates or scheduled date for my payment to be mailed. Ive been calling for over 90 days. They gave me 7 days to pay them but they can not give me a check for what Im owed almost 120 days later. I should not have to wait any longer to be paid whats mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Overnight the night of XXXX, XXXX 2023 Currents ap locked me out of their ap requiring me to revering to log back in and revering my info. I started this process Once I started getting notifications on XXXX at XXXXXXXX XXXX that bills werent being paid. I l followed up promptly them via email since that is the only way they allow you to contact them once you are locked out of your account that I needed access ASAP as items werent clearing because I was unable to move money from savings to checking. was unable to log back in and I got a message someone I received an auto message at about XXXX XXXX someone would be in touch still within 24 hours. 
I still didnt hear back at XXXX and since I cant contact them in any other form and was naturally having a near XXXX XXXX still unable to access money emailed them again to request someone get back asap. 
Finally at XXXX XXXX I got a message from XXXX with current asking for a selfie with a copy of my id. I sent the selfie with my passport and a copy of my passport alone back at XXXXXXXX XXXX again asking to please rush as it is causing me fees etc not being able to access my account and soon I would lose utilities if I could not access my money. 
At XXXX XXXX XXXX I still had not heard back and at this time I cant sleep, panicking. I emailed currents help desk and XXXX back indicating I was still waiting. 
I tried to log back in to my account at that time which it still says I didnt have access and their system created another helo desk ticket. 
XXXX I now dont have internet now because XXXX cant pay my bill and have to go to a truck stop to use their internet at XXXX. Emailed XXXX and help desk again to indicate I am still waiting. 
XXXX at XXXXXXXX XXXX I still had not heard a word and I emailed them back again to let them know I would be filing a complaint. I still havent heard back and its XXXX XXXX I am hysterical. I dont know what to do. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,

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 2023-05-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX XXXX XXXX. I made my external transfer for my XXXX payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all 3 credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX XXXX 1. I made my external transfer for my XXXX payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all XXXX credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX XXXX 1. I made my external transfer for my XXXX payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all 3 credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to remove several inquiries from my credit report with XXXX Online and all the time almost immediately receives a response about that info it is accurate and will keep in my credit report ( please see attached the last 5 responses from then ). 

Today XX/XX/2023 a few minutes ago, I spoke with an XXXX representative and spent a lot of time trying to explain my situation, that I have not authorized those inquiries and he refuse to do any about it. Then I asked him to speak with his supervisor ( called XXXX  ) and she refused to take care of it either, also told me that I have to call each company that has made inquiries in order to ask them to remove it. 

In case of XXXX, I have called since at least 3 years in order to get access to my credit report from there and make the disputes and they didn't took care about my situation either.

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