vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 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:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXX  Account Number - XXXX Late Payment - XX/XX/2017 Please update 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 2022-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
After submitting a complaint Santander Consumer USA has done a profile review and removed {$10.00} following this activity have closed the account after trying to collect after writing it off on taxes. I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRAS ( XXXX, XXXX, XXXX ). 

Santander Consumer USA did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Santander Consumer USA is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 
I have asked this company to CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. I have also put this company on notice exercising my right to prevent the processing of my personal data by Santander Consumer USA for the account opened XXXX XXXX. This account has been removed multiple times and refurnished by the company they have also stated that they cant remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
I have submitted a dispute for fraudulent accounts on my credit report to transunion XX/XX/2022 As of today XX/XX/2022 I have not heard anything as to what they are investigating or if they are even trying to resolve the issue. From what i understand they have up to 30 days to complete investigation and it has been 33 days as of today. This is not the first time they have done this but I have no other choice but to now submit a complaint for improper investigation into what they have reporting on my credit file. I would like for these fraudulent accounts removed form their reporting standards.This is hurting me and my family

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 2022-12-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax continues to report " XXXX '', an account that they confirmed has already been deleted from my credit profile. I have the paper documents from Equifax as well as the confirmation # from the initial dispute results THAT SPECIFICALLY SAYS " THIS ITEM HAS BEEN DELETED FROM YOUR CREDIT FILE ''. 


Equifax Dispute Confirmation # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I've been had Wellfargo for years they been taking my money and charging me free ... I just think it's wrong the way this bank do there value customer and how much they get away with stuff so this time all my money got Missing and I put in a deputie but they denied the reason was they didn't see fraud but they reached out to me about the activity they think was fruad they told me I was at these places some places didn't have no return address but this the part I failed XXXX is when I had to tell them my personal business Im on house arrest they had me to send a picture of my legs to show proof and they still denied me I shouldn't never had to do that at all that's alot ... I shouldn't have to had to put my personal business out ....

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 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Opened a TD XXXX Checking account ending XXXX in XX/XX/2022, completed required direct deposit of {$2500.00} in 60 days but never got the advertised {$400.00} new account bonus. There was also a fraud on the account so the TD fraud department set the account to " no check '' status. I went to the local branch and opened a new TD XXXX  Checking account ending XXXX and the local branch agent told me the {$400.00} bonus will be credited to this new XXXX account, but still never received it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 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:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXXXXXX Account Number - XXXX Late Payment - XX/XX/2017 - Late Payment

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 2022-12-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report should be updated and this account from XXXX must be removed from my credit report!

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 2022-12-30 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: TN

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 2022-12-30 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: FL

Complaint narrative:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXXXXXX Account Number - XXXX Late Payment - XX/XX/2017 - Late Payment

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 2022-12-30 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:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXXXXXX Account Number - XXXX Late Payment - XX/XX/2017 - Late Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX I deposited a XXXX check for XXXX and the ATM stated we are unable to process the check submitted. It kept the check and my debit card. After several attempts to get the machine to give me back both items failed, I went inside to customer service I attempted to explain but was met with unprofessionalism and rude personnel, which cause me to lose my composure and become irate after being advised the check could be a stolen. I've banked with Randolph Brooks Federal Credit Union for 10 years. I've never wrote a bad check over drafted my account maintain an average of XXXX. - XXXX in my account. They're response was shrugging and rolling their eyes. I demanded my entire account funds and was told to come back for the check funds. I Called customer services and again was told the only reason that could happen is if the check is fake. i called back this week XX/XX/27 and the check was deposited. IT WAS NOT STOLEN AS THEY ACCUSED ME OF!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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.

US DEPT ED # 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 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
When I opened my care free checking account, I was NOT told there was a different routing number for online only. I went back to the bank in XXXX and retrieved from the teller, the routing number I needed to have for online banking. I used my direct deposit routing number for my rent but was the wrong one, unbeknownst to me. The automatic rent take out never posted and was declined by the rent company so it left me with owing for XXXX, XXXX {$600.00}. I cancelled the automatic which I am paying in partial payments to the property management. The routing number for online banking, which was given to me from the teller is : XXXXXXXX  My direct deposit is different and everything is okay for that. 
My checking account number is XXXX XXXX XXXX XXXX The teller suggested XXXX XXXX was distracted at the time. That was the teller 's excuse. 
The state I thought was a state bank but it is federal and was directed to contact you. 
I have, in my email, the state is forwarding my complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: CA

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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd

Complaint narrative:
Complaint about Wise Money Transfer online The first time they froze {XXXX and closed my account. After several attempts to contact them, they told me that my account had no money when they closed it. 
And the second time they XXXX XXXX XXXX, and when I told them about this, they closed the account and did not respond to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I have been approved for HAF assistance. I have made over 7 attempts to locate the funds that were sent to my lender to cover my mortgage payments which I am struggling to keep up with. HAF has stated they mailed the funds on XX/XX/XXXX. I have no received any correspondence from my lender confirming the payment has been received. I am approaching month 2 of being approved by HAF to cover my mortgage payments and my initial payment for the month of XXXX has yet to be posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I recently requested my statement from Aqua Finance Inc. When reviewing my statement I discovered that the first six payments that I made to the company for my monthly pool payment of {$750.00} had been taken strictly towards interest. Not a single XXXX of that initial {$4500.00} went towards the principal! As I continued to review the statement I noticed that even though I have a fixed interest rate of 10.9 % the amount of interest that I was required to pay monthly varied significantly. Even though I was consistently making my payments, the amount of interest that was being collected would actually go up which doesn't make any sense because if I have a fixed interest rate and I'm making my payments monthly even if the principal is decreasing by a small amount, the amount of interest collected should always decrease and never increase. I'm not talking about small amounts either, this company takes whatever amount that they want from your payment and will keep it as interest. The math is simple, if I am paying monthly on my account that has a set interest rate my principal and amount of interest ( dollar amount ) should decrease and unless should never increase unless the interest rate changes or there is a late fee. One month the amount of interest collected was {$270.00}, the following month they took {$390.00}, the following month they took {$580.00}, and the month after that they took {$680.00}. Payments were all made on time in the amount of {$750.00} and Aqua finance Inc just arbitrarily choose to keep whatever they wanted and just disregarded the terms of the contract. Business should not be allowed to take advantage of consumers like this and it is a disgusting practice. I have emailed the company twice and I have gotten no response and I spoke with a representative and he couldn't provide answers as to why this was occuring ( although there was also a language barrier between him and I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TN

Complaint narrative:
On ( XXXX  ) 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 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX was stolen out of my chime account I contacted chime made a dispute within hours later they told me they found no error in my dispute Im a XXXX XXXX mom and hard earn money was stolen out my account which they told me they would not refund back due to not finding a error i explained to them that I had no clue who the person was receiving the money nor did I authorize it and they still wont refund back the XXXX

Company response to consumer: Closed with explanation