vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: SC

Complaint narrative:
I would like to file a formal complaint against Giggle Finance based in XXXX, FL. Giggle Finance is a company that gives short term loans to help XXXX XXXX with their business expenses. However, the terms of the " loan '' are not very clear. From my understanding they lend money in exchange for future revenue from your business that is paid in weekly payments. I applied for {$500.00} and when the money was deposited the origination fee was automatically debited so I did not receive the full {$500.00} that I originally was approved for. The company is known to be a predatory lender with very high and confusing interest rate amounts. I recently contacted the company after an issue with their system caused a payment to not be withdrawn. The problem was corrected and then I requested a copy of all payments that I have made up until now ; which the company complied with. However, when the company sent the information over to me they told me that they can legally report missed payments after just one day, which I know to be completely false and against the law. Please see the attached image containing the text message from a company representative stating the 1 day missed payment reporting. I then advised them that I would seek the services of a lawyer if they continue to give false information, to which I was told that if I missed a payment I would incur a default fee of {$1500.00}, to which I had no knowledge of and I believe is illegal. Also have proof of a company rep telling me about this below. Giggle Finance is a predatory lender with unclear business practices, and I hope that consumers are made aware of this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Initially, PHH was sending foreclosures notices to me indicating they were unable to certify occupancy, although 5 completed certifications were sent to them over a four month time span. It was not until I contacted CFPB that the harassment stopped for only a few weeks.

Now, I have been called on numerous separate occasions from a PHH representative, stating that I need to send PHH {$4500.00} for property taxes owed on my home. The PHH rep. stated that PHH paid this amount directly to the XXXX of XXXX  XXXX on my behalf. Upon contacting the XXXX XXXX XXXX XXXX, I was informed that no company has made any inquires or paid any property taxes on my home, BUT, there are no taxes owed on my property. 
As of XX/XX/XXXX, I am in receipt of a first " FINAL '' notice stating that PHH will commence foreclosure proceedings on my home unless I " cure the default to reinstate your loan and you must pay delinquent charges of {$4500.00} within 30 days. '' Attached are copies of my real estate tax records with the XXXX of XXXX  XXXX, showing there are no property taxes due until XX/XX/XXXX. All property taxes have been paid from XXXX XXXX. PHH can verify this information with the XXXX of XXXX  XXXX. Please stop with all the harassment. PHH is trying by any means possible to foreclose on my home without any legal or legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: NY

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 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

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 2022-11-25 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: NY

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 confidentially under 15 USC 1681. 

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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXX has violated my rights. 

1

5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25 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: IL

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25 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: MS

Complaint narrative:
This company posted a hard inquiry that doesnt belong to me. I didnt inquire.

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 2022-11-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This company posted a hard inquiry that doesnt belong to me. I didnt inquire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Regions is reporting a hard inquiry that I did not do.

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recent reports furnished on my credit report by XXXX XXXX. I have sent letters of notice to the company to stop communication with me and they still have not follow federal regulations nor my rights I invoked to op out of their system of sales, recipes for sales, information trading and such. It is stated by law that any inaccurate information on my account is required to be investigated. I have sent multiple complaints about this company XXXX and deceptive tactics and now Im putting you all on notice at the same time. Here proof of my claim. Im not sure if these companies are properly investigating these reports or not. But the CFPB recently released a article proving that these companies has not handled consumer disputes because proper investigation was not conducted.

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 2022-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
U.S Bank is refusing to give me my money back even though XXXX admitted that there are unauthorized charges on my account. I am blocked and can not access my own XXXX account because of the unauthorized charges totaling {$13000.00}. They have also used the excuse that I should have reported the fraud within 60 days, otherwise, they could have helped me, but they did provide me {$5300.00} in credits from XXXX, even though those fraudulent charges happened way longer than 60 days ago as well so their excuses are not valid. I no longer feel safe banking with them and if I do not get my money back, I will be switching banks.

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 2022-11-25 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: NY

Complaint narrative:
I called into Capital One to find out why suddenly, I'm getting LATE PAYMENT ALERTS when each month a direct payment of {$80.00} is coming out of my checking account on the XXXX of each month. I NEVER had such an ALERTS come up on my XXXX XXXX XXXX until I filed a complaint on XX/XX/XXXX about a late fee. My payments were in on time through automatic bill pay. Now suddenly, these LATE PAYMENT ALERTS are popping up, so I called to find out why and I was advised on XX/XX/XXXX, FOUR years ago I took out a CASH advance from XXXX of {$300.00} with an interest rate of 26.99 %. Why wasn't I made aware that if this amount {$300.00} is not paid off, interest will still be added or even a notice to state that? Not only that the {$300.00} was added into my XXXX XXXX due, so I continued to make the payments shown. Not until I filed my complaint is when this came up. After being with Capital One for over 50yrs, I can't play these nick picking games with them, it must STOP. With all the interest I'm being charged, this should have been paid off. 

Please take note, after my first complaint was closed, suddenly this is the very first email I received pertaining to {$300.00} CASH ADVANCE from XX/XX/XXXX. Please find attached all my PROOF this just started about nonpayment of {$300.00}. I'm XXXX old and DON'T need this extra stress. Very Poor Customer Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25 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: Continental Finance Company, LLC
State: MS

Complaint narrative:
This company is reporting hard inquiries that I did not do.

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 2022-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MI

Complaint narrative:
I have disputed this account many times throughout the years. The original creditor nor Hunter Warfield have ever been able to provide any proof of this amount owed. I am going to seek counsel if this is not removed from my credit report immediately. It has been XXXX years as of today that I purchased my home and I can prove this. I moved out of this apartment in XXXX of XXXX. I was not notified of this debt until XXXX. I immediately contacted the company and disputed this claim with the CFPB, attorney general, and the credit bureau 's. The parent company XXXX XXXX responded with an email that XXXX of their employees typed up stating that I did not provide 45 days notice. I was on a verbal agreement and had no written lease. I was on a verbal month-to-month agreement. I went into the office at the end of XXXX in XXXX and advised the receptionist that I would be leaving in XXXX. I asked what was expected of me and she advised that I just needed to return my keys. When I officially left in late XXXX of XXXX I stopped by the office and gave them my new information and left my keys. At this point it has been over XXXX years since I left the property and this was a fictitious claim to begin with. I did provide notice and the fault was on that of the receptionist who helped me. Either she is lying or she failed to take the proper steps on her end. Either way I did what was expected of me to properly leave my verbal month-to-month agreement. I have now resided in and lived in my home for XXXX years as of today and this is still reporting to my credit. If this does not get removed I will be forced to file a suit for damages caused to me for the XXXX years this fictitious claim has been reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: MS

Complaint narrative:
This company is reporting hard inquiries that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
This company is reporting hard inquiries that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I noticed a {$250.00} charge on my Citibank XXXX that I did not authorize. 
Nor did I recognize the XXXX - XXXX XXXX- which appears to be a chain of hotels. 
Since I did stay at any hotels, or reserve any hotel rooms, I realized that this must have been a fraudulent charge & notified Citibank immediately ( on XX/XX/XXXX ) by phone. 
They advised me that it would take a week or so to investigate & reverse this charge. 
I then followed up XXXX  to check on the status of their investigation and was advised " it was still under investigation ''. 
It seemed as if nothing was being done at all and this fraudulent charge is still on my Citibank account. 
It is now XX/XX/XXXX - over XXXX weeks that I notified Citibank about this charge hasd nothing has been done.

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 2022-11-25 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: IL

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. 

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 XXXXXXXX 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 2022-11-25 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: IL

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 1681XXXX 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 XXXXXXXX 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 2022-11-25 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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