vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC
State: KY

Complaint narrative:
On XX/XX/2021, XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX XXXX came out to do a home check to see if we would qualify for Solar Panels. After telling us we qualified and rushing us through the contract process he left. Days later on XX/XX/2021, we received an email from Sunlight Financial saying they were our lender for the Solar Loan approved by XXXX XXXX XXXX XXXX XXXX XXXX. They sent us terms we never agreed to via email. XXXX XXXX XXXX used our Signature and Initials from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contract on the Loan Application with Sunlight Financial without our approval or knowledge that it was even taking place. We never saw the information on this loan application such as annual income or marital status we have no idea what information was even put on it. Sunlight Financial gives me the run around, transferring from department to department telling me it is the Originations Department that handles this process, yet no one seems to have heard of that said department and will not send me a copy of the loan application I requested. After reading the terms I see the payment will increase automatically, this is another term we were unaware of and did not agree to. This lender is another fraudulent company working together with XXXX XXXX XXXX XXXX XXXX XXXX and using Predatory Lending Practices. 
XXXX XXXX XXXX XXXX XXXX XXXX has recently filed for XXXX  XXXX Bankruptcy listing us the customers as creditors on the public bankruptcy file. Leaving us and many other customers with faulty equipment, empty promises on the return rate of our solar energy ( paying double on bills as our electric bill has not lowered as promised ), warranties no longer valid, thousands in debt to lenders still seeking payment. Sunlight Financial needs to be investigated many Attorney Generals from several states are now filing class action lawsuits as well. The lenders involved including Sunlight Financial should be forced to stop all payments, issue refunds and this should not affect the customer 's credit history. 
We the people are seeking justice for fraudulent criminal activity. Thank you in advanced for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CarMax, Inc.
State: CT

Complaint narrative:
Carmax Auto Finance reported me 30 days late to credit bureua for the month of XXXX. My payment for XXXX is not due until XXXX XXXX. Although i am 8 days late i should not have been credit reported 30 days to credit bureaus. I am not 30 days late for XXXX payment until on or after XXXX XXXX. I am requesting that the 30 day late mark be removed from credit file and I wlll not pursue further action. I have tried to handle directly with Carmax but was neglected. I have also attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I am approved for HAF through the state of Florida. HAF claims to have sent my past due amount to Caliber Home Loans at the beginning of XXXX for the amount of {$5300.00}. HAF shows that this check has posted, but nothing has been applied to my account from Caliber. I have tried to message Caliber online about this as well as sent them my award letters from HAF, but they respond asking me to call. I have called their number for the past 3 days and have waited over 2 hours each time and never get through to talk to a person. Additionally, I was approved for 6 months mortgage payments and XXXX has not yet been applied either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX IS REPOTING AN ACCOUNT THAT IS INACCURATE. THE ACCOUNT HAS BEEN PAID IN FULL. THE REPORTING AGENCIES DO NOT HAVE PERMISSION TO EPORT THIS 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
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX 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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/22 my card was stolen and 20 % of my balance was drained immediately as soon as I parked ( was driving when it happened ) I went into their app and did the appropriate action to flag the transactions in their system as well as calling them the following day to check the status it's now been 2 weeks after the event and I still have no resolution to the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Act XXXX  account number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-11-03 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: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
A LEASE WAS EASTABLISHED WITH ACIMA DIGITAL FKA SIMP ON XXXX THE XXXX WAS PAID IN FULL AND IS NOT NEGATIVE. XXXX IS THE ONLY REPORTING AGENCY ACTIVELY REPORTING THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was issued a check by XXXX XXXXXXXX in exchange for selling my car to them on XX/XX/2022. I then placed the check into my account with Wells Fargo using the ATM. The check I was issued was also drawn on Wells Fargo. The check was initially suppose to be made available to me on XX/XX/2022, however on that date I was sent an email stating that the check was placed on hold until XX/XX/2022 which is almost two weeks after depositing. I was informed that ther was some kind of issue with the check causing the hold and I would need to refer to the check issuers. I contacted XXXX who issued the check to me and informed them of the issue, they looked into the matter and I died me that the check had been debited from their account that morning and there was nothing they could do on their end because the check has been funded. I called Wells Fargo back and spoke to two different people on XXXX and XXXX Who still could not release the funds staying that once theirs bank has confirmed they funds are available they will release to my account but still not giving me any real solution as to how to have the process speeded up. I informed them that the money they have on hold I need to pay my rent and feed my kids and I was informed they will cancel any over draft charges I obtain during g this time. I however cant even use my debit card as an over draft I cant do anything and I do t get paid until two days before the check is suppose to clear. I believe they are only verifying the check because Im a person of XXXX because it should. It take almost two weeks to verify something that is dream in their bank its self.

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 2022-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates
State: OH

Complaint narrative:
Original debt was from XXXX XXXX XXXX  sold to debt collector paid XX/XX/XXXX. Received receipt that was off collections. In XX/XX/XXXX new debt for XXXX was put on account through Stafford group and associates. Stafford is not Better Business Bureau accredited phone number goes straight to voicemail. Ive called XXXX XXXX XXXX XXXX disputed the debt almost 8 times now spoke with XXXX  and second creditor. Stafford is a scam. XXXX XXXX will not take off.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I had an active credit card with Navy Federal, and this time Navy Federal refuses to return {$120.00}, back to an external account from which an, authorized monthly payment was made by a third-party associate. 

Navy Federal rejected that payment on an unfounded basis that the payment stemmed from fraud and closed the credit card on that basis. 

Navy Federals actions to close my credit card resulted in adverse, irreversible actions to my credit report. 

Lastly, Navy Federals actions are blatant, and evidence of this lies in the fact that they have refused to respond and ignore my written inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  and CAPITAL ONE  has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!

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 2022-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
went to a dealership to get a car and dealership ran my credit report with other companies instead of just their company like they told me they were going to do causing me to have all these hard inquiries

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Act XXXX  account number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent

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 2022-11-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Act XXXX account number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following information on my credit report. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a family member of a veteran who has passed away during world war 2 my grandfather. I am applying for navy federal credit Union because this seems to be the only bank I can put my savings into without any more worries. Unfortunately they permanently closed my account. They made sure I could not ever open one up. At first they approved me. Asked for payment. And I submitted my proof of identity. I also gave them my card information. They even mailed me my access number and suddenly permanently closed my account. I called and the workers are discriminating me. I also went to the branch and still no help. I honestly wanted to bank with them to have protection over my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX 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 non-monetary relief
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
XXXX 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 2022-11-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A LEASE WAS EASTABLISHED WITH XXXX XXXX XXXX XXXX ON XX/XX/2019. THE LEAE WAS PAID IN FULL AND IS NOT NEGATIVE. EXPERIAN IS THE ONLY REPORTING AGENCY ACTIVELY REPORTING THE 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
Consumer complaint received 2022-11-03 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: NY

Complaint narrative:
The account in reference is my account with XXXX XXXX XXXX XXXX XXXX. 

Issue XXXX : Debt is validated but being reported inaccurately Issue XXXX : Differing reported balances [ XXXX is showing {$1000.00}, XXXX is showing {$1000.00} ] Issue XXXX : Date of last payment is difference [ XXXX is showing XXXX XX/XX/2022, XXXX is showing XX/XX/2022, Transnion is showing XXXX XX/XX/2022 ] Issue XXXX : Account numbers all differ According to U.S. Code 1681i- if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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