vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section XXXX ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and XXXX 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 2022-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have been undergoing loss mitigation and was set up on a trial plan. I was to make XXXX payments under this plan on XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022. When I attempted to make my payment for XXXX, I was told I could not make the payment, becasue the trial plan agreement had been broken, because I made the XXXX Payment on XXXX XX/XX/2022. I am being penalized for paying early.

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 2022-06-01 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 these companies below violated my rights. 

XXXX, XXXX / Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX / Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX ; It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX  XXXX XXXX {$60.00} XXXX {$67.00} XXXX XXXX {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX  XXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXXXXXX 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 2022-06-01 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: PA

Complaint narrative:
I don't believe that there's been an actual investigation on these accounts, and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? All the accounts listed below came back verified and updated after verified but continue to read completely inaccurate. Delete the following from my credit report and I'm now asking for monetary compensation for each violation. 

XXXX # Continues to read that I paid on time. Account charged off. DELETE XXXX # Reads paid until XX/XX/XXXX. At XX/XX/XXXX 12 days late. DELETE XXXX # Date opened XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX # in XX/XX/XXXX says paid. XX/XX/XXXX says 120 days. XX/XX/XXXX says 120 days again. DELETE XXXX XXXX # Reads XXXX different dates of activity. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. DELETE XXXX XXXX # XXXX last XXXX XX/XX/XXXX. Equifax last payment XX/XX/XXXX. DELETE XXXX XXXX # Account was opened XX/XX/XXXX. Last payment was made XX/XX/XXXX. DELETE THE XXXX # Report date XX/XX/XXXX. Last active date XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE FST XXXX # Credit limit {$0.00}. High Credit {$700.00} DELETE XXXX XXXXXXXX # Credit limit {$0.00}. XXXX XXXX {$510.00} DELETE XXXX # Closed account. Payments report good as of XX/XX/XXXX. DELETE XXXX # Date open XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX XXXX XXXXXXXX # Date open XX/XX/XXXX. Date of last payment XX/XX/XXXX. DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: AL

Complaint narrative:
I, XXXX XXXX, have owned XXXX XXXX  accounts with {$10000.00} each one at Discover Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) for many years. Money was withdrawn from accounts ending in XXXX, XXXX and XXXX without my consent. After weeks of calling different departments, and sending them a Declaration of Loss, the money was restored to my accounts. 
Due to the fact that money was withdrawn from my accounts without my consent, not sent to me, as they claim, and I do not consider it safe at that bank anymore, I requested for them to close my accounts and send me either 7 checks for {$10000.00} or one for {$70000.00}. They say that because the money is in XXXX, I have to pay the penalty. 
Even when the penalty after the interest, is low, I do not think I should pay more than what the interest is at this time, or not interest at all. 
Please, help me solve the problem. I do not think I have to pay for somebody misbehavior, since I do not consider it an error. 
Thanks ahead of time for your attention. 
XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XXXX XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXX XXXX. Acct # : XXXX Account name : XXXX Acct # XXXX XXXX Account name : XXXX XXXX Acct # : XXXX, XXXX, XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXXXXXX Acct # : XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX : XXXX -- 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 2022-06-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XXXX XXXX XXXX  Acct # : XXXX Account name : XXXX XXXX XXXX  XXXX. Acct # : XXXX Account name : XXXX Acct # XXXX XXXX Account name : XXXX XXXX Acct # : XXXX, XXXX, XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXXXXXX Acct # : XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX : XXXX -- 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 2022-06-01 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: MS

Complaint narrative:
In 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. 

1. XXXX XXXXXXXX Account # XXXX 2. XXXX Account XXXX XXXX 3. US DEPT OF ED Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. DEPT OF ED Account # 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 2022-06-01 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: MS

Complaint narrative:
In 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. 

1. XXXX  XXXX Account # XXXX 2. XXXX Account XXXX XXXX 3. US DEPT OF ED Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. DEPT OF ED Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: MD

Complaint narrative:
On XX/XX/2022 got notification that account was frozen after I transferred {$4000.00} to account from within the banks money transfer system. They pulled the money from my other bank that was linked. I tried calling the number they told me to call but it never actually directs you to a customer service representative it just gives option to leave voicemail. They never respond back or told me reason for freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I paid off my capital one card after my automatic payments because they did not pay the full balance. Then they restricted my card for fraud and my credit score is dropping because of it. My balance is XXXX and they still restrict it with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one company holding your funds due dispute waiting on someone else choice. Its really mind bothering how how they are not here for my protection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
This company has been scamming multiple people, all you have to do is XXXX Consumer Adjustment Co and read the reviews. They have made my first time home buying process a nightmare with their scamming lies. They are claiming that I owe the thousands of dollars that are identical to one another that appeared out of thin air. I need them to be held accountable to what they are doing to hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens bank is awful. They have done nothing to change the fraudulent activity happening in mine and my husbands accounts. On four different days, someone has hacked our savings account, making multiple withdrawals. First one was for XXXX, second one was XXXX, after freezing the accounts whoever is doing this was able to withdrawal another XXXX and another XXXX. I am extremely frustrated with this situation. Its unacceptable that its not being taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 1XXXX XXXX Account # XXXX **,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXX Bank 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 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal credit does not update their reporting of what the client owes them as credit, after the items were returned. That is to say, the items are returned, but they remain on the clients account as charges owed. This situation is never rectified unless the client discovers it -- and even then it is a lengthy and complex process that can take up to several months.

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 2022-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I received a notice of collection account from Waypoint Resource Group ( WRG ) on or about XX/XX/2022, indicating that they were attempting to collect an alleged debt for XXXX XXXX. Please note that I had also received multiple, repeated calls from WRG despite my request for any communications to be only in writing. Per my consumer rights, I submitted a written request to WRG on XX/XX/2022, sent via USPS certified, return receipt mail requesting full verification of the alleged debt, as I do not believe this a debt that I owe. I have verified that this letter was received and signed for a WRG representative on XX/XX/2022. I never received written verification of the debt. On today, XX/XX/2022, I reviewed my XXXX credit report and noted that WRG had reported this account to the credit bureau as a debt that I owe, yet still had not provided written verification of the debt to me. I contacted WRG via telephone on XX/XX/2022 at XXXX XXXX, initially speaking with a representative, XXXX, who acknowledged receipt of the letter and then stated the initial notice sent was the debt letter. I informed her that the letter received only indicated that WRG was assigned a the responsible party for collecting the debt, but did not indicate any verification of the debt. XXXX indicated that she could request a debt verification statement, but it would not be available for 5-7 days. XXXX ended the call abruptly. I called WRG again on XX/XX/2022 at XXXX XXXX, this time speaking with a representative named XXXX. She again confirmed that my letter was received by WRG on XX/XX/2022 requesting verification of the debt. She indicated that she would request the verification statement and it could be emailed to me within 1-2 days. My rates have been violated by WRG, as they did provide the requested debt verification and have subsequently ( and erroneously ) submitted collection information to the consumer credit bureau that has negatively impacted my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recovery One, LLC
State: TX

Complaint narrative:
Under the hippa law I didnt give this company to disclose my debt to anyone. Furthermore I asked for a validation of debt and they failed to send me one. So I need this removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
On XXXX XX/XX/2022, I sent PHH Mortgage notice of error in the payment of property taxes for my home. Follow-up emails were sent regarding this nonpayment in XXXX, XXXX, and XXXX. Last week, I received notice from the XXXX XXXX government that these taxes remain unpaid. To date 50 business days have now passed since PHH Mortgage received the initial notice of error. At the end of XXXX, I sent them written notice to immediately make full payment including any late fees or penalties and send me proof of payment. Their response was the same I received with every contact - I would hear something in five business days, which to date I never have. Yesterday, I informed them that if this was not dealt with the same day, I would file a complaint with the Consumer Financial Protection Bureau. I feel that they have not fulfilled their obligation to correct their error within 30 days. I am seeking your help to compel them to immediately make their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: MS

Complaint narrative:
I was in the process of my credit rebuilding journey, didn't know much about maintaining/organizing good credit history. I was on XXXX  and ran across credit rebuilding tips. Self Financial INC/LEA has a ''secured '' credit builder loan. Didn't understand it fully, signed up XX/XX/XXXX for the secured loan of {$530.00} During the Pandemic, I was struggling. Didn't think because it being a secured loan. Didn't thinkt hat it would impact me negatively! I never sent any money or used the account. Now 30/60/90 day ''late payments are on my credit report. I closed the account, disputed with all 3 bureas to have the account removed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: IL

Complaint narrative:
My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX XXXX XXXX {$60.00} XXXX {$67.00} XXXX XXXX  {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  {$1700.00} HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation