vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$16000.00} and was financed through ALLY Financial. On XX/XX/XXXX, the car was vandalized and on XX/XX/XXXX, it was taken in to possession by XXXX car insurance. They totaled the car due to the damages done to the car. At the time of XXXX taking possession of the car, the amount owed was {$13000.00} and XXXX paid {$12000.00}. My GAP insurance that is through XXXX XXXX XXXX XXXX was contacted ( XXXX XXXX XXXX ) and an amount of {$440.00} was credited back to car dealer and they paid the remaining balance of {$570.00} on XX/XX/XXXX. Ally Financial keeps reporting that I still owe a balance of {$4000.00} because they have reported to the credit bureaus that I still owed the original amount of {$16000.00} and the payment that was received from XXXX of {$12000.00} just reduced the payment and {$4300.00} is still remaining. The car was paid off by XXXX and XXXX XXXX XXXX XXXX by XX/XX/XXXX. Ally Financial is still reporting on my credit that my car payment has been late since XXXX and it was charged off for non payment in XX/XX/XXXX. I would like for the late payments and the charge-off to be removed from my credit. I can't get another car because of the misreporting to the credit bureaus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: NJ

Complaint narrative:
This is an old issue. I made an international transaction of {$1000.00} on XX/XX/22 with Worldremit. I also made another one with them on XX/XX/22 of another {$1000.00} to the same person. I spoke with this company about what really happened. Their responses were very unsatisfying that's why I sought to contact CPBF. I figured out that they actually didn't want to refund me so different responses were to put me off and forget about my inquiries. They kept telling me, we've closed your case but I insisted by calling and asking to get my money back. This case is supposed to be over but they made things too difficult plus confusing everything since I started claiming my refund. I didn't want to make them look bad but they caused this lengthy time to happen. Please help me get my other {$1000.00} back from this people since they refunded me half. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Amount : {$500.00} XXXX, XXXX XXXX XXXX Amount : {$350.00} Date:XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX And 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

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 2022-08-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Amount : {$500.00} XXXX, XXXX XXXX XXXX Amount : {$350.00} Date:XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX And 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employers : XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  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  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-08-10 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: NH

Complaint narrative:
: I XXXX XXXX XXXX of XXXX, XXXX non legal fiction have been back and fourth with this corporation for years as : I have stated in the past that Equifax inc has XXXX reporting inaccurate information on me for some time causing me to pay higher interest rates, being denied Credit opportunity XXXX over wrongful scores as you can see in recent weeks Equifax has been reporting millions of wrong scores to consumers for some time. 
putting : myself into a bind for my credit worthiness. 

pursuant to 15 usc 1681 ( a ) ( XXXX ) Equifax assumed their role in assembling and evaluating consumer credit and other information about consumers, : I XXXX living man never gave Equifax permission nor consent to report anything about : myself to report any information about me to said Equifax report. 15 usc 1681 ( a ) ( XXXX ) states there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy. 
Equifax consumer report about me with alleged accounts that were never verified through personal family members, neighbors, and close relatives is unfair and impartial because i was never consulted to verify if the information was accurate nor even asked if i wanted alleged accounts to be reported at all. ( this is aggravated identity theft, for enjust enrichment ) Equifax has not exercised there grave responsibility as evidence by hundreds of inquiry and accounts by sending fictitious scores to millions including : Myself. and including fictitious accounts that have never been verified. this corporation has shown lack of respect to my privacy and never had my consent to buy and trade my personal information this is acts of war and treason. these actions are as well violations of Gramm-Leach-Bliley Act, refrenced by 15 usc 6801 and 15 usc 6802. 
( accounts and all inquiry must be removed immediately with a copy of my updated report thru mail at address XXXX XXXX XXXX XXXX, XXXX NH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, I received a letter in the mail from LoanCare indicating there was an escrow disbursement check which was issued to me in XX/XX/XXXX for {$1400.00}. ( The excess funds in the account is money I've paid to escrow ). The letter stated that for the check to be reissued, I would need to fill out the attached form and either mail or fax it in. If the form was not received by LoanCare by XX/XX/XXXX, the funds would be sent to unclaimed property with the state treasurer 's office. Furthermore, the letter also indicated that processing/reissuing the new check would take XXXX weeks from XX/XX/XXXX ( not from the date they receive the response from me ). 
After going back through the previous mortgage statements I have received in the mail, I was able to locate the aforementioned check as well as another escrow disbursement check dated for XX/XX/XXXX for the amount of {$1500.00}. I called LoanCare to ask if I would be able to cash the checks. I was told that the checks were not valid after 90 days ( although no such timeframe was noted on the checks ). I was further informed that there was another check which was issued in XX/XX/XXXX for {$2200.00} that was not cashed. I asked the LoanCare agent if upon reissuing the XXXX check, that the checks for XXXX, XXXX, and XXXX could be combined or if I could fill out a similar form I filled out and returned for the XXXX check could be done for the XXXX and the XXXX checks. He told me this was not possible. He stated to me that the checks could not be combined, and that I would have to wait for their unclaimed property division to send me a similar letter in the following years for the XXXX and XXXX checks. The agent also read from the letter I received that any calls or further communication with them to receive or expedite the checks would result in a delay/longer wait time to process the check [ XXXX ]. In other words, LoanCare has $ XXXX in escrow money that is owed to me, however, they are going to pay this money back to me over the course of the next XXXX or XXXX years. 

The most concerning issue is that the letter stated, they have a high volume of these checks to reissue. If that is the case, LoanCare is holding on to potentially millions of dollars in consumer escrow overpayments.

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 2022-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have never been late with a single mortgage payment. 
I made my XXXX XXXX  monthly mortgage payment on XX/XX/2022. 
On XX/XX/2022 my mortgage loan balance became {$71.00}, XXXX. 
On XX/XX/2022 I contacted the Bank via chat to advise that I made a payment of {$1000.00} which should be applied to additional principal. The Bank employee responded that the request has been submitted. All screenshot of my conversations with the Bank are saved onsite. 
On XX/XX/2022 I contacted the Bank again to advise that I made one more payment of {$1000.00} which the bank was scheduled to receive on XX/XX/XXXX and asked to apply it to additional principal too. All screenshots are onsite. 
With these two additional principal payments I expected my mortgage loan balance to go down to {$69.00}, XXXX. 
On XX/XX/2022 both payments of {$1000.00} each were posted in my account as unapplied credit by the Bank. I contacted the Bank again via chat to remind to apply both payments to additional principal. The bank employee said that the request has been made. 
On XX/XX/2022 my account showed that the Bank applied the funds received on XX/XX/2022 to XXXX XXXX monthly mortgage payment instead of additional principal. As the result of such manipulation by the Bank, my loan balance increased to {$70000.00} instead of dropping to {$69000.00}. 
The Bank keeps doing it month after month, and every month we have to go through a reapplication of funds process which delays the application of additional principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Address : XXXX XXXX XXXX XXXX, GA XXXX CXXXX 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  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX 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 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 2022-08-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I had a credit card with USAA ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
More I never gave my written authorization to USAA to report this account on my credit report. However, the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX  Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.

I want this account information to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX CXXXX 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 AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX 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 AZ XXXX CXXXX 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 2022-08-10 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED XXXX US DEP ED XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED XXXX US DEP ED XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Received a notice that my account with XXXX XXXX, XXXX. had been turned over to Credit Management L.P. for collection. I have no business with XXXX XXXXXXXX XXXX and a XXXX search showed a long list of people who have been victims of fraudulent debt collection by XXXX XXXX, XXXX.

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 2022-08-10 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: NV

Complaint narrative:
I am sending a complaint in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. The 3 credit bureaus are required to authenticate this account XXXX XXXXXXXX XXXX Balance : {$0.00} Date Opened XX/XX/2019 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account.

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