vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/XXXX i sent dispute letters to experian, XXXX, and XXXX to verifiy these unfamiliar accounts and inquires on my report. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that experian, XXXX and XXXXXXXX post on a credit report. I demanded to see verifiable proof with my signature that experian, XXXX, and XXXX have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if experian, XXXX, and XXXX are unable to provide me a copy of verifiable proof like a contract with my signature 30 days after my dispute then experian, XXXX, and XXXX must remove the account listed below. it is now XXXX almost 60 days since i sent my letter and they haven't even responded by law they must remove all accounts and inquiries listed below. 
The following accounts and inquiries is not mine and needs to be deleted XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account NumberXXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: CO

Complaint narrative:
Paying off a loan with Conns Home Plus, in 2 years ( Was set as 3 years ). They precalculate interest, and I have already paid more in payments over 2 years than would be required over 3 years. They continue to say the info is calculated right, but when I calculate it is obvioulsy wrong. They use the rule of 78 which says at this time I should be due a refund of overpaid interest, but they say I still have a balance on my loan. The amount has been increasing drastically every month. In XXXX payoff was supposed to be {$100.00}, I didn't have a payment due for a while so I made my next payment in XXXX ( {$140.00} ). Now my payoff is {$91.00}. The numbers did not add up, so I put all the information without a 2 year amoritization ( As if my payments were paid in 3 years ) and I have already overpaid by {$250.00} with additional amount still owed. Not getting much help other than Conns saying they are right and I still owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SILVERGATE CAPITAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I wire transferred a total of {$13000.00} to who I thought was my attorney. I soon learned it was a fraudster-controlled client account with Silvergate bank in XXXX. I immediately notified my bank, XXXX XXXX to recall the wires, but Silvergate says there are no funds and they are not accepting any responsibility for the cyber attack. I have called and sent multiple emails to their Fraud department asking Silvergate bank where my funds went because my attorney did not receive anything. As we now know, it was NOT my attorney, but a client of Silvergate who posed as my attorney. Silvergate needs to accept responsibility. Nothing on the account was real except the bank name, account number and XXXX number. Everything else was false. I am out {$13000.00} because Silvergate bank which deals with XXXX companies and cyrptocurrency is allowing criminals to hide behind their cloak of protection. I am a XXXX XXXX XXXX woman who doesn't even know what XXXX and cyrptocurrency are. I would like to report Silvergate Bank with violating terms of Federal Reserve laws as well as Computer Fraud and Abuse Act. Appreciate any help you can provide, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TX

Complaint narrative:
Experian credit bureau reporting 30 days late for XXXX XXXX  XXXX. I have contacted XXXX XXXX  XXXX about the incorrect data. They have advised me to contact the credit bureau.

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 2022-12-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried several times to dispute these fraudulent inquiries on my consumer report and I have not gotten a response from the Consumer Reporting Agencies. Please see the attached documentation. If have submitted a copy of my affidavit of truth notarized and it was mailed to each consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TX

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 15 USC 1681. 
Account name and number : XXXX XXXX XXXX Account name and number : XXXX XXXX  XXXX, Account name and number : XXXX XXXX XXXXXXXX & 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 non-monetary relief
Consumer complaint received 2022-12-07 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: TX

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 15 USC 1681. 
Account name and number : XXXX XXXX  XXXX Account name and number : XXXX XXXX  XXXX, Account name and number : XXXX XXXX XXXXXXXX & 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 2022-12-07 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-07 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-07 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Exeter Finance, LLC.
State: NV

Complaint narrative:
In accordance to the fair credit reporting act Exeter, finance LL. Has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states, a consumer reporting agency, can not furnish my account without my written instructions 15 USC 1616 B : a creditor can not treat a payment on a credit card/open credit account under an open end consumer plan as a late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$2100.00} XXXX says not reported but it is

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: KS

Complaint narrative:
On Monday XX/XX/XXXX, I deposited {$210.00} into my checking account. During the transaction it took the money it told me how much money and then it told me there was an Error, transaction not completed. It did not give me my money back it did not give me a receipt and then the transaction just ended. The screen went back to the beginning. We immediately drove around and spoke to a teller named XXXX XXXX. She told me she would have somebody come and look at the ATM that day and that I would have my funds back within 7 to 10 days. She gave me a case number as well. She also informed me that this happens all the time that the ATM often takes money from people but they're not doing anything about this. They're not fixing the ATM they're continuing to use those ATMs in the company that runs them. I spoke with XXXX XXXX yesterday and she told me I would have my funds back by last night. The funds are still not there. When I called her to explain that the funds were still not there she told me it would take a little bit longer and when I told her I wanted to close my account with them she hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: MI

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 15 USC 1681. Experian # XXXX, XXXX XXXX XXXX, an XXXX XXXX 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 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
on XX/XX/2022 I sent a payment in to Ally Auto by money gram. Company has not applied payment to my account. ALLY HAS VIOLATED 12CFR XXXX PAYMENTS. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. 
Ally Auto Financial violated the U.S. Fair Debt Collection Practices Act and the U.S. Fair Credit Reporting Act. Ally Auto reported derogatory and inaccurate statements and information regarding myself the consumer to third parties on XX/XX/2022. 
The allegedly inaccurate information negatively reflects upon my credit repayment history, my financial responsibility and my creditworthiness. 
attached is my proof of payment. 
Ally collection agents have been harassing me for payment since XX/XX/2022 calling me late at night XXXX and during work hours. which is a violation of my rights under the FDCPA. even thought they can see my payment in the system and refuse to post it. 
ALLY FINACIAL DID NOT CLEARLY AND CONSPICUOUSLY SEND ME ANYTHING SAYING THEY WOULD SHARE MY INFORMATION WITH A THIRD PARTY. I NEVER GAVE VERBAL OR WRITTEN CONSENT TO SHARE MY PERSONAL INFORMATION.ALLY FINACIAL NEVER SENT ME ANYTHING TELLING ME I EVEN HAD THE RIGHT TO A NONDISCLOSURE OPTION. 
with this being said As of today Im opting out of any and all Authorization that I the Consumer given you verbally, or written.

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 2022-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I disputed a charge from a hotel ( XXXX XXXX {$160.00} ). I had reserved the hotel and cancelled it. I have a copy of the cancelation email. I was billed as a no show. 

I disputed the charge with Bank of American. They sent me a letter dated XXXX asking for documents by XX/XX/XXXX. The letter was postmarked on Friday XX/XX/11. Why was it not mailed for XXXX business days. 

The letter arrived to me on Wednesday XX/XX/XXXX. XXXX business days before the deadline! XXXX week after the letter was dated! XXXX business day after it was mailed. I responded on XX/XX/XXXX and mailed the documents on XX/XX/XXXX. Unfortunately, the mail service was not able to deliver it back in XXXX day! 

BOA rejected my claim saying they never received by the requested date. 

I called BOA last week who agreed that the timeline was unreasonable, and they will reopen my claim and look for the info I sent. She said if they needed anything else they would let me know. 

Now I have another letter saying this closed the claim and rejected it as I did not respond! Today and yesterday, I was bounced around between multiple departments ( XXXX or XXXX - XXXX lost count ) who all hear my story and then tell me I must talk to someone else. Finally, I talked to someone else who said they never received anything from me! And I must fax my info in. They do not except email and scanned documents. Seriously! Now I must find someone who can do a fax for me ( what will this cost? ) and hope that they will reopen the case. Also, I was told I will be charged late fees and interest on the disputed amount!!!!!!! 

I believe that BOA is throwing up as many roadblocks as possible to frustrate me so badly that I will not pursue the chargeback.

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
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
I have an XXXX Credit Card. I pay my bills religiously on time. I keep getting phone calls and text from a place called Affirm. They tell me they are a debt collector. They keep telling me I own late fees of different amounts from XXXX dollars to XXXX. I felt this was shady, so I told them so and contacted XXXX myself. They reported I am up to date on my account and no amount is owed by me. The phone number in which they call me from is this one.XXXX My documents to prove I'm up to date are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
on XX/XX/2022 I spent XXXX on the phone trying to redeem rewards on my credit cards and the system would not function. I wanted to make a payment toward my credit card but the system would not disclose how many points I had in XXXX amounts and when I spoke to bank employees or credit card employees they said there was nothing they could do to fix the issue. 
I asked for a mailing of the rewards program but they said it was online. 

I wanted to use the visa rewards to make a payment toward the XXXX XXXX card but that feature was not showing. 
NO one at the bank knew how to fix the issue. 

Nothing on the website seems to function. It feels like a targeted issue toward me versus a system wide issue. 
XXXX of my banking documents are missing. Those that are shown expired are not located in the expired file either. Massive disorganization of files. 
The website has script issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation