vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Giggle Finance Inc.
State: VA

Complaint narrative:
I applied for their rideshare employed payday advance loan. I was approved for XXXX yesterday XX/XX/2022 and opted to also pay XXXX to expitite the process and be funded immediately. I was approved and routed to a webpage that said to text ( XXXX ) XXXX to schedule a funding call which I immediately thought odd but I texted it at XXXX am XX/XX/2022 and they responded that a team member would call me during business hours but that they had a high volume of funding requests and it would be hours before someone would call. Nobody called but as I noticed the texts weren't automated responses so I decided to send another testing that theory this morning XX/XX/2022 stating that I am still waiting on a call and also asked as there a number that I could call. It's emergency funding ... approved yesterday soooooo I made it known that I would rather not wait days and days and would prefer to call ; as I should be allowed to call any real financial establishment and stated that it sounded fraudulent. Whomever is texting back on that phone number with all of my banking and personal info responded back that since I was asking these type of questions and seemed dissatisfied that they were canceling my application instead of calling me. I waited 10 minutes and checked the website again and my application is still pending that phone call. Something about this financial company is not right, This doesn't seem to follow any of the federally mandated guidelines or process for these kind of loans. I have a screenshot of the texted conversation and a screenshot taken just as I type this of my account page on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 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 a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX Social security XXXX got deposited in my roar account threw MoneyLion which XXXX Handels there accounts a transaction went threw for {$1100.00} my whole check got an email saying the number associated with my account was claimed by someone else the number was XXXX Have no clue whos number this is my number on my account is XXXX an the funds were transferred to XXXX his roar tag is $ XXXX XXXX whos account my whole XXXX of {$1100.00} dollars went Into I have XXXX that will not have a XXXX over this nor anything I just want the right thing to be done well MoneyLion said they investigated an found nothing wrong I couldnt beleave this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
unauthorized inquiry on my credit report Never apply for these account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Southwest Collection Services, LLC
State: TX

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its 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 credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hi I have this long dated credit card issues with Synchrony bank years ago and every time I received their Creditor 's letter about my late payment that didn't pay up, I called to their fraud and investigation departments many times and they always told me the issues would be resolved in XXXX weeks and this has been back and forth with this credit card company that they duplicate charged me with something I don't understand why and no one from that creditor can explain but always told me that they are trying to resolve it. 
this goes on and off for years and affects my credit scores however they were sometimes erased from record ( as i called back and tried to find out the results ) but then after few months it comes back to me again! it's always in this loop of circle that I can not see transparently how they dealt and what they can explain to me the issues if it's solved or not. Today, I am receiving debt collector 's letter asking me to pay back the amount which I am not aware of and not even understand why this mistake ends up me paying for the amount + interests! 
I need someone who can help me here please thanks 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 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 2022-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
We paid our mortgage every month on time through bill pay. They changed companies and we never got a letter so they didnt get that payment until the bank re funded it to us and we sent it in immediately. Then they charged us a late fee because they payments change in the middle of the year but never informed us on the bill. We have since paid all of the late fees when they finally decided to call us to let us know we were {$20.00} short on a bill and so they charged a ridiculous late fee. And here we are with a bad credit now because they put it on our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: WYNDHAM CAPITAL MORTGAGE, INC.
State: PA

Complaint narrative:
unauthorized inquiry on my credit report Never apply for these account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: MI

Complaint narrative:
Dear Bmg money I am writing you to request an investigation of the following on my credit report. 

Dispute XXXX As of XX/XX/2022 my balance owed went from {$5300.00} to {$6000.00}. With this loan status showing as current. 

I also have XXXX closed accounts on my credit report from Bmg money. 


I am requesting that you please provide me with documented proof, that I was aware of an updated amount and up charge on this loan. If you can not provide me with legal proof of my authorization. Then I am demanding you contact the CRA, S and request them to remove this from my credit report immediately.your failure to comply with my request within 30 business days will be my evidence of your willful compliance. Fcra 616, 15 usc Thank you for your attention to this matter. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Fig Tech Inc.
State: GA

Complaint narrative:
accordance with the fair credit Reporting act XXXX Account # XXXX, 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 ve payment on a credit card account under an open end consumer credit plan as late for 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 2022-12-03 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: NCD Financial, LLC
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
this creditors below did not have permissible purpose or my written permission to authorize this inquiry XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX TOWER LOAN-XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX TOWER LOAN-XXXX XXXX  Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX TOWER LOAN-XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX TOWER LOAN-XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX TOWER LOAN-XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
this creditors below did not have permissible purpose or my written permission to authorize this inquiry XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2022-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I contact consumer directly for validation of account that I dont owe and never had any contractual obligation to pay them. They are currently being reported with inaccurate date of last activity in accurate date of last updated late pay after account was closed charge off on XXXX is listed as open also they have created duplicate accounts types. 
I asked them to provide me a copy of any viable evidence bearing my signature showing the account is being reported accurately. They provided me a print out statement. Which a printout of a bill or itemized document does not constitute verification. I would like these account deleted from all 3 credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc.
State: CT

Complaint narrative:
UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX GATESTONE & CO has not validated the alleged debt ACCORDINGLY to 15 USC 1692g and HAS NOT provided demanded information instead only provided statements which was ruled to be not sufficient evidence of a debt in federal case XXXX XXXX XXXX XXXX GATESTONE is in violation under 18 USC 892 and 18 USC 1691 for RAKETEERING collection means. GATESTONE has not showed regard and respect to I the consumer and to the FDCPA and have continued to violate federal as stated in previous sent documents. GATESTONE & CO is liable for remedy under 15 USC 1692k and I seek remedy.

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 2022-12-03 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: AFNI INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u XXXX payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian.com and Experian XXXX XXXX are not collecting credit data they say because I don't have a premium account with them and it is affecting how others see my credit worthiness. Also, am a XXXX  citizen and a XXXX veteran as well as a victim of a breach with both XXXX and XXXX. 

I have attached a recent email communication from Experian XXXX XXXX in XX/XX/XXXX advising me that, " Everything looks good '' as they are required to monitor my information for Identity Theft. 

I notified Experian and have attached their reason via email for not monitoring, XXXX XXXX in email from Experian stated that " they have not been monitoring my credit because I cancelled my Premium account with them in XX/XX/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 2022-12-03 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: Global Lending Services LLC
State: OH

Complaint narrative:
According to the fair credit reporting act all XXXX  accounts have violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank
State: TX

Complaint narrative:
My account with First Progress was reported as 30 days late on my credit, When i called to see why they said for non payment which in fact i was paying the the bill through bill pay with my bank .I gave correct information and the bill was paid the first time not sure what happened after that so i payed the past due amount over the phone with First Progress and contacted my back they refunded my payment back so my complaint is now i have a late payment on my credit and First Progress wont work with me to resolve this I've never been late on my payment and thats the only way they accept payments is through the back for free or {$10.00} service for over the phone so i chose to use my bank.I need help with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
EXPERIAN IS REPORTING SOMETHING ON MY CREDIT FILE THAT I HAVE NEVER SEEN BEFORE I HAVE IDENTIFY THEFT LISTED ON MY REPORT BUT THEY HAVE IGNORED IT I KNOW NOTHING OF THIS XXXX COMPANY THAT SAY I AM A JOINT OWNER I NEVER GAVE ANYONE PERMISSION TO USE MY INFORMATION AT ALL THE COMPANY NEVER CALLED ME TO VERIFY ANYTHING THREW ME AT ALL NOW MY CREDIT IS RUINED RUINED RUINED

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 2022-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I downloaded the XXXX credit application and I see that I have an account in collection that is not mine I made several reports and still nothing I hope you can help me name of the company is convergent outsource

Company response to consumer: Closed with explanation