vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: GA

Complaint narrative:
Hi, I contacted all three credit bureaus about inaccurate credit account and account that's not related to me. All three major credit bureau gave me hard time update and disputing the information that appear is wrong on my credit report.i called serval time and send letter of verification of my identity to update misinformed informations. I have not yes receive a letter of validation from the major three credit bureau. Please help me I am being denied due to this mislead information.My credit history has been taken off my good credit account .I purchase my car in XX/XX/2020 there has not beeb a correct payment place on my credit but wrong history information.i contact XXXX XXXX and they mentioned to me I have to contact the credit bureau to correct the account .this has been 2years now and my information and credit report still remain the same with unverifiable information inaccurate account.I called some many time about this matter and nothing has been investigate correctly

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I have tried to contact Genesis- XXXX credit card and spoke with the rudest employee ever. I am trying to dispute a charge for the portion of the billed amount for my loveseat which is XXXX. 

Genesis has made it difficult to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Respectable Consumer Financial Protection Bureau, a capitol credit card was opened up on XXXXSince the card was used towards a promotion of a vacation while being opened up through the Bass Pro Shops no minimum payment was given, no date of first payment was given, no texts, no email and nothing sent to the address of mine at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. No one followed up from customer service. After a few weeks I myself called to inquire about the date of payment and minimum. By that time I was told that a {$27.00} dollar late fee has been generated. Also I was told that my monthly minimum was also {$27.00} dollars. I assumed that this was not a hidden agenda of purposefully generating a late fee of {$27.00} which would be more profitable than charging percentage of the credit card. It was revealed today that every time I made a payment of {$27.00} I have been charged {$27.00} as a late fee penalty for the previous month and that was done without any Capitol professional sharing it voluntarily unless directly asked by me, as I did today. By now as of today 's inquiry and complaint by me to speak with a supervisor 3 late fees have been assessed without my knowledge and have been refused by the supervisor to be with withdrawn. Also last payment of XXXX was suppose to be scheduled to be automatically withdrawn on time from my debit card but Capital one did the opposite and failed to charge the payment allowing the account purposefully to go late again generating once again this profitable {$27.00} dollar fee. After some investigating on my end to my surprise I have seen many complaints of capital one clients claiming similar circumstances. As I called Florida Attorney General It came to my attention that many complaints are made to the Attorney General with similar claims as well. I hope for a resolution with with the respectable " CFPB '' as I hope that it will not be necessary to litigate on this unethical issue. I would like my late fees to be withdrawn and my payment date of a minimum monthly amount to be set. Thank you! XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: IL

Complaint narrative:
I recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like for these accounts to be removed asap.

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 2023-01-17 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: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been discharged. There is no more debt or balance to be owed and XXXX XXXX keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by XXXX XXXX for them not doing what theyre supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

Complaint narrative:
*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, XXXX XXXX XXXX XXXX, XXXX and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*

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 2023-01-17 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: PA

Complaint narrative:
*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, XXXX XXXX XXXX XXXX, XXXX and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

Complaint narrative:
*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, Gramm Leach Bliley Act, TILA and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*

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 2023-01-17 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: CA

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 XXXX XXXX XXXX. 

1. XXXX XXXX ACCT # XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( 6 ACCOUNTS ) ALSO EXPERIAN IS REPORTING THE XXXX STUDENT LOANS AS A " OPEN, COLLECTION '' BUT ON XXXX ITS SHOWING " XXXX PAYMENT HISTORY NOT AS A COLLECTION '' HOW ARE BOTH BUREAUS REPORTING THE SAME ACCOUNT DIFFERENTLY? ALL STUDENT LOANS NEED TO BE DELETED!!!! ( PLEASE SEE ATTACHED CREDIT REPORTS ) 3. XXXX XXXX ACCT # XXXX 4. GXXXX XXXX  ACCT # 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 1681c. ( 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. 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 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
XXXX has unfair practices in the additional payment and attempted removal of PMI. The current value of my home has increased. I simply want to stop paying for PMI. The value of my home and the amount I owe on my mortgage is well under the 80 % value deemed by XXXX to have a PMI payment. I have attempted multiple times to get PMI removed from my monthly payment. Each attempt was met with a different reason for why XXXX would not remove the PMI payment. I have never missed a mortgage payment and my credit score is excellent. XXXX refuses to accept the current value of my home as a reason to analyze and remove PMI. XXXX refuses to accept a 3rd party appraisal for the current value of my home. XXXX will not look at the value of similar sold homes in my area as comparable. XXXX will not accept the taxable value of my home as established by XXXX XXXX that I live in as a source for establishing value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: NV

Complaint narrative:
I have written Trans Union and XXXX several times about reporting me as an authorized user on several accounts that do not belong to me. They remove some, then new ones pop up.

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 2023-01-17 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: DE

Complaint narrative:
In accordance with the fair credit reporting ACT XXXX  account XXXX and account 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 also states a consumer reporting agency can not furnish an 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 2023-01-17 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: DE

Complaint narrative:
In accordance with the fair credit reporting ACT XXXX  account XXXX and account 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 also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a prepaid debit Visa gift card for {$75.00} as a XXXX gift. My sister-in-law included a copy of the receipt. She purchased it from XXXX on XX/XX/22. 

It is issued by XXXX XXXX. I activated the card and set a PIN. The card has not worked at any stores that I've tried both online and in person. I called and was told the first time that it hadn't been properly activated and was now fixed. I called again when the card failed to work and was told that it would work in 20 minutes after it was reactivated. I called yet again when it didn't work to request a new card and am now being told that my card was flagged for fraud and that if I want to use it I need to fax a copy of my driver 's license along with the card to " prove '' my identity. I asked to speak with a supervisor and was denied by two different call center employees. I find this preposterous. It's a prepaid Visa gift card that I should be able to give away if I want to. 

I was told to fax or send my information to the following : fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My Paypal credit account was closed due to insufficient funds and late fees ; I was informed via telephone that if I submitted my bank statement showing my account balance, they would reopen my account. Now I am being told that they won't reopen my account, and I have to apply for a new one.

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 2023-01-17 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2023-01-17 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Were charged monthly fees when they shouldnt have been. Wells Fargo advertised no fees if a customer made 10 or more debit card purchases and/or payments in a month, but the bank limited the types of eligible payments and didnt count debit transactions that posted days later.

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 2023-01-17 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681b - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I ordered a product in XX/XX/2021 never received it, have been injured and unable to work or make the full payments. Have had the company I made purchase from refund the purchase however Wells Fargo has refused to refused the past 18 months of interest or readjust the minimum payments and balance. They have even gone as far as to label me a risk and freeze the card and try to add on tons of late fees to their behalf. Wouldnt let me do a promissory note for payment as they claimed I wasnt working but Im still employed just not currently working. This banking institution needs to be disbanded and removed, nothing but deceitful business practices and lies. Gave me XXXX cents refund for 18 months x XXXX a month interest plus the crazy late fees and have jacked up my minimum payment from XXXX a month to XXXX a month. 

They are completely aware of my situation and told me to borrow the money from my family all while refusing to work with me.

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