vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe
State: TX

Complaint narrative:
I have been called about 10 times a day from scam numbers. I answered and was told by 2 different people that I have a payday loan from XX/XX/XXXX from a company called XXXX XXXX for XXXX dollars that is now {$1200.00}. The lady said they were filing charges against me, was yelling at me, and hung up in my face. The second company contacted me today, XXXX XXXX regarding a payday loan from VIP Loan. This was supposed to be in XXXX for {$610.00} dollars. I spoke with a lady by the name of XXXX XXXX. She said she could be reached as ( XXXX ) XXXX ext XXXX or the number that called me ( XXXX ) XXXX. I tried to call both numbers back and they didn't go through. I haven't taken ANY payday loans and the information they provided was wrong. Can you please assist or give me some guidance on what steps to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX  Account XXXXXXXX XXXX XXXX, XXXX XXXX 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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 XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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 instruction.

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 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I got my new Citi Aadvantage MasterCard around XX/XX/XXXX. Since then, I have been unable to add the card to my XXXX XXXX on my XXXX for use with XXXX XXXX. 

I spoke to Citi, who told me I needed to call XXXX, because " rest assured '' there is no problem with Citi. 

XXXX told me there are no issues with my XXXX XXXX and that if I'm unable to resolve the issue with Citi, I should request a " PNO escalation ''. 

I've spoken to multiple representatives from Citi since XX/XX/XXXX, both on XXXX, their website chat feature, and through callbacks initiated by Citi. 

No one has been able to resolve the issue, or seems to have made an attempt to resolve the issue. Each time I call it's as if I'm speaking about an entirely new issue. This morning I was called and then put on hold for 15 minutes, and then transferred to someone who had no idea who I was.

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 2022-11-13 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: TX

Complaint narrative:
It's been over XXXX days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had XXXX days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

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 2022-11-13 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: TX

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was a long-time banking customer with TD Bank XXXX On XX/XX/2022, I received eSign documents for a new TD Bank Checking Account, which I had no knowledge of. I immediately called into customer service and they transferred me to the fraud department. The fraud department could not locate any fraud, but advised me to close my current accounts and reopen new accounts. I was not satisfied with the resolution, so I eventually decided to close my TD accounts and move to another financial institution. 

On XX/XX/2022, I began receiving emails from XXXX stating that my Online Banking Statement is available for TD CONVENIENCE CHECKING XXXX. I again received the email on XX/XX/XXXX. It seems another customer is using my email address for their account and/or my personal information. The fraud department has still not provided any resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I received a credit collection notice stating I owe {$530.00} to XXXX XXXX insurance. They were the carrier for my homeowners insurance up until XX/XX/2022. My insurance was paid through my mortgage servicer ( XXXX ) for the year. I would like for them to fix this problem on their end. I switched my carrier to another insurance organization in XX/XX/2022. My insurance was current with XXXX XXXX and it is current with the carrier I am with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
I received a letter from my county tax dept. that my taxes were pass due. My mortgage isnt paid off so my taxes should be paid by the mortgage company. I called the mortgage company and it can take them XXXX weeks to research. I have incurred a late fee on top of my county taxes not being paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : 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 explanation
Consumer complaint received 2022-11-13 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
It's been over XXXX days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had XXXX days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had received a XXXX transaction from my mother. All my XXXX transactions are set to go to a savings account. The money was sent to another account that was currently in negatives and which was not set up to receive any XXXX transactions. 

I spoke with a representative that looked at the account. They started with telling me that it was not sent to the correct account due to my XXXX not being set up correctly. I said that it was correctly set up and gave them the account number. They checked and said I was correct. 

They then said it was due to my mother sending it as a bank-to-bank transfer as she has another bank. My mother also has a Wells Fargo account and has previously sent XXXX transactions to the correct account. They took a moment and said that they could see it was a Wells Fargo account. 

I told them that WellsFargo had even sent me a notice saying I received money via XXXX. The representative said that it was not accurate due to this being a bank-to-bank transaction. I reminded them that she was also a Wells Fargo customer. They told me that her account must have not been set up correctly and that I would have to add my account to her XXXX with my bank account number. 

I asked why the last transactions worked but this one did not. The representative said that it was because the XXXX was not set up correctly. They could not explain the difference and why it was different from before. XXXX on Wells Fargo 's app only allows us to add others using a phone number or email. 

Customer service sounded annoyed and was incredibly unhelpful. They tried to give me solutions that were not relevant and attempted to ignore all the information in order to end the call. There was no solution and they could not provide an answer as to why WellsFargo did not properly make the transaction.

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 2022-11-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-13 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: Chime Financial Inc
State: GA

Complaint narrative:
Unauthorized business on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IN

Complaint narrative:
I first called Sallie Mae at the end of XXXX this year and I would say Ive called them XXXX or XXXX times since then to try and get my monthly loan cost lowered. I am XXXX and I dont have steady employment, but still Im expected to pay $ XXXX? I have no freedom anymore. I would love to get some support because this really has been the worst year of my life paying these loans. Sallie Mae has not even picked up a call from me. There is no service on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: TX

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

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 2022-11-13 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: TX

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: TX

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

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 2022-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
We have a line of credit ( overdraft account ) that we have not been able to close. Fees keep getting charged that we cant seem to get the bank to close it. We have paid the account off again after being reported to the credit bureau the months of XXXX and XXXXXXXX XXXX XXXX We realized the account was still open due to the sudden drop in our credit scores. The account was closed again in XXXXXXXX XXXX XXXX. TD Bank acknowledges that the account should have been closed in XXXX but only offers that we start a handwritten appeal process to resolve the credit reporting issue. All the other accounts that we had with this bank were closed years ago, but we still Paid off fees that seem to accrue even though we no longer have access to the accounts. I requested the history on the accounts, but couldnt get to the correct person or division to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I gave an consent to check credit score for honda finance then after i got into XXXX hard check of my profile without any consent. I want to report against this activity against my profile. I have just started working as professional it ruins my whole profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an account with Macy 's ending in XXXX. I made a {$40.00} purchase 3 months ago, I did not receive a statement and missed the payment, however, I paid off the {$40.00} in full by phone the following month ; I was told by the rep. they would reverse the late fee and interest. did not subsequently use the card. I did not receive a statement for the next 2 months, although I do not have online access to statements and I had requested a statement 3 times by phone. This month, XX/XX/2022, my credit rating dropped over XXXX points because Macys ' turned over a {$2.00} interest fee to the credit bureau. Because I had not received the statement I had requested by phone and because I do not have online access I had no way to know they had charged {$2.00} in interest. When it came to my attention I phoned their credit department and had the {$2.00} interest fee reversed. However, my credit rating is still XXXX points lower since they reported to the 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 non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AFNI INC.
State: IL

Complaint narrative:
I have no idea what it is and why its on my report. I was a minor so i have no idea why theyre saying I owe anything. I would like proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
I have been using MoneyGram for years without a problem. Then recently I tried sending money to a friend in XXXX and MoneyGram wouldn't do the transfer. For some reason everyone at the desk including the manager in XXXX seemed secretive and finally the manager said there was nothing they could do about not being able to use MoneyGram. Then I tried to use XXXX XXXX and apparently both have me blocked for some unknown reason. I would like to get in on the lawsuit I just read about. Prior to this I didn't know anyone was having this problem besides me and I had no where to turn to until I saw the article about MoneyGram being sued and apparently this is not just my problem. If you get any where with this lawsuit include my name in it as well. Any new information about current or future lawsuits against this company would be something I'd like to have. You can send me anything regarding this to XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation