vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc.
State: KY

Complaint narrative:
So, I've tried working with the original loan owners ( XXXX  ) and having them work with my XXXX XXXX, then filing with the XXXX and CFPB with XXXX. They weren't merely unhelpful, they were condescending and just awful. They've since sold this loan to a backwards, archaic to the point of feeling really sketchy company called SST, which I've heard is a debt collection company ( I think because they knew they were having problems collecting on their predatory loans ). I've tried to get this company to work with my XXXX XXXX XXXX, but I think they have even few people working in customer service. 

I got the so-called credit builder ( or I thought it built credit ) loan in XXXX where they gave me {$1500.00} ( I only wanted an outright loan, but they only gave me this option and tacked on {$2500.00} in " savings '' that I couldn't touch with the gouging interest rate of XXXX XXXX with a credit score of XXXX and an estimated income of around {$34000.00} gross income with a huge debt burden already ( I think it was {$8000.00} XXXX then maybe more ). Most personal loans were denied me. I don't understand why I was even offered this. It is predatory. Oh, and the payments were {$200.00} a month. A HUGE burden. I was trying to use this to pay off loans, to improve my situation. I thought that would increase my credit, and I could pay off this predatory loan with huge payments, the only way it would have been worth it. Instead my credit barely changed until recently ( but my debt burden is so high, I still only can get payday loans which are worse ). My debt increased a huge amount. I started having to take out cash advances, other small loans, and starting getting late on bills which I've never done before. I have since had to borrow $ XXXX from my mother with no end in sight to having to keep asking for money as well as constantly using my cash advances. Plus I've had help from family knowing I was struggling, so extra help besides that from my mom. I'd been managing ( tight, but without any help, any late bills, any cash advances ) my previous debt ok, but after I got the XXXX loan, it all snowballed and I was looking at what if I had to file bankruptcy until I found out about debt management programs and started one with XXXX ( which XXXX refused to work with after saying they would ) and which caused my credit cards to be closed. I've paid {$1600.00} to XXXX, I received {$1500.00} I've received to date from XXXX. I tried to get the new lender to work with my XXXX, but I've heard nothing for two weeks. Absolutely as uncaring and unwilling to work with me in any way as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. Please delete this account from my Experian credit report. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Requested temporary credit lift freeze from Equifax because Equifax would not permit me to manage the credit freeze online ; called service number as directed. 

Provided identification as directed including upload of driver license. 

On XXXX separate occasions agents falsely stated that no freeze is active on my account. After being insistent, I was told that my date of birth on record is wrong despite being clearly displayed correctly on my most recent credit report from XXXX days ago. In addition, the agents both had access to my correct date of birth as part of the driver license. 

I am now being asked to send in XXXX documents for verification plus a cover letter to hear back in XXXX business days because I am also not permitted to use the dispute service online. This is beyond incompetent and affects my ability to perform business in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/XXXX - I begin XXXX transfers ( {$100.00} & {$2500.00} ) from my Wells Fargo savings account to my new XXXX XXXX savings account. 
XX/XX/XXXX - I close all Wells Fargo accounts. 
XX/XX/XXXX - XXXX XXXX reverses the funds because they can not accept the transfers from a closed account. 

I can still see transaction history in my Wells Fargo savings account because it is within XXXX of account closure. The history of the transaction was present at one point but it is no longer there, a representative on the phone stated, " the transaction could have fell off because it wasn't completed ''. Wells Fargo states they can not issue a refund/cashier 's check because they can't see the money. This is also why they can't find an ACH/trace ID number. 

On XXXX XXXX 's transaction history it shows my account receiving the transfer from said Wells Fargo account and reversing it as well.

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 2023-01-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX  is reporting two credit cards to my Equifax credit report that are incorrect. Specifically, it is reporting a card that was never received ; in which they have full knowledge of nonreceipt ; to the Equifax credit bureau with a 45 %, and 95 % utilization that is tearing down my scores. Card ending in XXXX, or XXXX-never received by me; reported never received. A new card was issued by the XXXX XXXX  ending in XXXX in place of XXXX XXXX. XXXX XXXX  has failed to report card ending in XXXX with a XXXX balance to Equifax credit bureau. XXXX XXXX  updated card ending in XXXX with a balance and 95 % utilization knowing that the card was switched ; by them to a XXXX ending in XXXX. XXXX XXXX  has purposely failed to report the correct card ending in XXXX to Equifax. 


In short, XXXX XXXX  is purposely reporting old, outdated, and incorrect credit card information to Equifax credit Bureau. Currently, I have one credit card-XXXX from XXXX XXXXending in XXXX with a XXXX balance. Please have them update it immediately. 

Moreover, when I first applied for the XXXX credit card, I was told after 1 year I would receive my {$300.00} security deposit back. I have not received such back, despite paying my balance up in full. In fact, I was told that I would not be receiving it. This is fraudulent misrepresentation. I want this to be resolved asap. I want XXXX XXXX to update Equifax, and return to me my security deposit as initially promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Honda Financial Services owes me money and they stated once we return the leased vehicle to XXXX XXXX XXXX we would be receiving a check for $ XXXX been more than a month and half now and we have still not received the refund check.Everytime we call Honda financial services customer care its more than an hour wait on hold and when we call XXXX XXXX XXXX no one even bothers to assist us with this refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: FL

Complaint narrative:
In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.

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 2023-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My motgage was transferred from XXXX loans to this Newrez company on XX/XX/XXXX. When i was transferred the time it took for the new Mortg co Newrez was in middle of the month so they said they were giving the client 60 days to catch up. I paid on XX/XX/XXXX XXXX dollars to catch up on my mortg. My mortg is XXXX a month. I paid half of XXXX and all of XXXX it is now XX/XX/XXXX i paid on XX/XX/XXXX XXXX they said i could XXXX that was owed still by XXXX XXXX XXXX. I tried that today XX/XX/XXXX and online they have me owing a whole mortg of XXXX on XX/XX/XXXX. I am worried they are trying to say i owe a whole month and say im behind a whole month when im not. I dont trust them since my mort has been transferred from XXXX to Newrez XXXX Please investigate this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: FL

Complaint narrative:
I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX also said they can't find anything on this account. Please help

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 2023-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
We are a law firm in Texas. Royal United Mortgage claims one of the attorneys made an online inquiry with Royal United Mortgages. The attorney stated he does not recall making an inquiry with Royal United Mortgage online and is not interested in their service. The attorney asked that I relay that information to the caller from Royal United Mortgage. After being informed that the attorney is not interested and did not make the online inquiry, Royal United Mortgage continues to make harassing phone calls to our office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer reporting agencies have my name, address and employer listed incorrectly. I have enclosed a copy of my driver 's license which shows my name and address. 
See attachment

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer reporting agencies have my name, address and employer listed incorrectly. I have enclosed a copy of my driver 's license which shows my name and address. 
See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
For numerous times I have contacted XXXX XXXX to call their attention regarding the incorrect and inaccurate information of this account. I thoroughly reviewed the past reporting and I noticed the balance reported for the few months it keeps on changing. It started in XX/XX/XXXX with {$1800.00} balance, XX/XX/XXXX balance is reported as {$1800.00}, in XX/XX/XXXX it shows {$1800.00} and now in XX/XX/XXXX its {$1800.00}. I never agreed to pay interest or fees applied to this company debt and I never did business with XXXX XXXX. I am filing this CFPB complaint for not doing an investigation for the concern I mention. I need the CFPB to look into this and have this reporting taken off as promised AND my credit restored to perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Late payments are being reported on my consumer reports, although I was never late. According to the XXXX XXXX effective XXXX preventative measures were supposed to be taken to keep my credit scores from being ruined by preventing adverse information from being added to my consumer reports, and preventing credit score furnishers from creating and/or implementing new credit scoring models that would lower my existing consumer credit scores during the XXXX pandemic. This information has defamed my character, because it is derogatory and causing me XXXX XXXX XXXX XXXX XXXXnd preventing me from obtaining credit. 

please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: CA

Complaint narrative:
Ive sent multiple letters to Transunion and XXXX regarding XXXX XXXX on my credit report. The Supreme Court ruled that this is not a credit transaction and I never gave permissible purpose for it to be placed on my consumer report. Id like this removed from my credit report as its reporting inaccurately and causing denials of credit and sleepless nights. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/21

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 2023-01-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX also said they can't find anything on this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX  also said they can't find anything on this account. Please help

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 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
2 Letters dated XX/XX/2022 With different application numbers noted on each. Stated this was regarding my application for the XXXX XXXX XXXX. XXXX stated if you have any questions regarding this letter please contact us at card services XXXX XXXX XXXX XXXX XXXX XXXX No phone number was listed anywhere on letters. I suspected the letters to be fraudulently applied for two reasons one I never applied for an application for any Barclays card or any frontier airline Credit card second the letter was addressed to XXXX XXXX, this was my maiden name and not used since over 35 years ago. I looked up XXXX XXXX XXXX XXXX online to obtain phone number listed as XXXX. The first person I spoke with said that I had to call the fraud team and direct me to the second number fraud team XXXX. I explained my concerns they listen to my concerns asked my last four digits of Social Security number and date of birth. This person stated that I had to speak with the fraud security department which was different than the fraud team. I was directed to call XXXX I spoke with a woman name XXXX asked last XXXX digits of ss #, XXXX. I asked if it would help to give her the application numbers to see if there were any accounts open in my name she took the numbers came back to the line and said there were no accounts associated with these application numbers or in my name. She then said that this call needed to be Transferred to the customer security extreme high risk department put me on hold for several minutes and transferred To another representative XXXX XXXX she also asked for the last four digits of my Social Security number and date of birth. I again asked XXXX XXXX if she would like the application numbers listed on the letter. She said she needed to put me on hold looked them up and was back after several minutes. When she came back to the line she said that there was a account open with application number XXXX and everything was fine because she labeled it as fraud I asked about the second letter application number XXXX and she stumbled with her words stating No there were no account connected with that # .was while I was speaking with her that I started to suspect this was a case of fraud it seem to me she was trying to hurry me off and just directed me to report to the credit bureau I had to interrupt her over talking to me to request that she look up the application number noted on the letter.

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