vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: NY

Complaint narrative:
Today XX/XX/2023, I called the lender to refinance and ask for assistance since my employer has stopped paying me. While my attorneys are working with my employer, XXXXXXXX XXXX  to reinstate my pay, I indicated to the lender that I have been a loyal customer for 5 years and asked them to hold off any future payments or refinance, especially since the current loan I have with them has an 18.5 % interest rate and I paid a {$2000.00} fee plus similar for another loan. With the status of the economy and layoffs, I asked for sympathy and compassion. They have been wonderful to me in the past and very helpful. Today, I experienced pure hate and immediate dismissal from their customer service, refinance & credit departments. I indicated that I may have to default if my wages do not get reinstated. I also indicated that I was going to report them to your Agency. They laughed and hang up on me. Zero compassion. No assistance. After almost {$20000.00} in fees and more hothouse payments, total hostility and zero empathy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I was in a labor dispute with my union employer from XXXX till XXXX. I contacted the credit protection I was paying for on my harbor freight synchrony account and notified them of my issues. I didnt hear anything back, and got back to work paid the card off and forgot about it. Then I received a letter stating my payment will be posted to my account with in three days. I then realized that I in fact got reported late for my payments that were effected. So, I contacted them and requested my payment history be corrected on my reports and I applied to have the money that was now a credit on the account mailed to me. They sent me a letter asking me to prove I paid these funds about a week later. So, on my credit report it states 2-3 payments were late which I had credit protection so I should have no payments late or what is the money I paid for? Since then, they credited my account another 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with 3 fraudulent accounts along with fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I received my paycheck/bonus on XX/XX/23 into my XXXX Checking account, and proceeded to transfer my bonus payment to my Ally Savings account. When I went to transfer {$6000.00} from my checking account to my savings account, Ally Banking App sent me an " error '' message and told me that my transaction could not be complete after I submitted it. I just chalked this up to being in an airport at the time, so I figured I would try the next day. 

On XX/XX/23, I proceeded to submit a deposit for {$5000.00} from my XXXX Checking Account to my Ally savings account, and this time my request was processed, and was given a message stating that my request was successful. I did not think anything of it until I received an email yesterday morning showing that my transfer I originally put in on XX/XX/23 actually processed even though it gave me an error message initially. At this point today XX/XX/23, I was not able to cancel my request that I put in on XX/XX/23 ( due to error on my first attempt ), so this in turn massively over drafted my checking account. 

I tried this morning XX/XX/23 to transfer back my {$5000.00}, and again, I received the same error message from Ally bank. I contacted their customer service line, and they said that this is a known issue, and that their IT department is working on it. When I asked for a timeline on when this will be fixed, they were not able to give me anything. These error messages that Ally Bank are responsible for are making this situation incredibly financially stressful for me, and with bills being take out of my checking account automatically, and with no timeframe given by Ally on when I will be receiving my money back, I am stuck paying for my expenses without any money in my checking. 

Additionally, I am not going to be charged an overdraft fee from XXXX that is clearly no fault of my own. I really hope that you all can help as I pride myself on being financially independent, but this issue could potentially affect my financial responsibilities for months to come. Thank you all for your help - I appreciate it immensely.

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 2023-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: NY

Complaint narrative:
I mailed a qualified written request ( " QWR '' ) to Real Time Resolutions , Inc. ( " RTR '' ) on XX/XX/2023. In that QWR, I requested : ( 1 ) a copy of my note; ( 2 ) a copy of any modification agreements from origination to present ; and ( 3 ) a payment history from origination to present. That QWR was delivered to RTR on XX/XX/2023. On XX/XX/2023, RTR acknowledged this request. However, to date, I have not received the requested documents and information from RTR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
I am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to XXXX, but not Equifax and XXXX. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between Equifax ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. XXXX lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while XXXX and Equifax list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the three bureaus. XXXX reports XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: AZ

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 ATTACHED LETTERS.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( 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 2023-05-16 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: Westlake Services, LLC
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
I am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to TransUnion, but not XXXX and XXXX. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between XXXX ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. TransUnion lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while XXXX and XXXX list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the three bureaus. TransUnion reports XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt response.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor ( XXXX XXXX Acct # XXXX ) has violated my rights under 15 USC 1681 Section 602. I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit 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 2023-05-16 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: IL

Complaint narrative:
I have no idea what it is and why its on my report. I want proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from these companies and I dont have any knowledge of them.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner continuously reports to all credit bureaus that I owe them XXXX dollars. Caine & Weiner has never provided me with any services or provided me with any accurate information such as an account no. that proves I owe them money. I have never done any business with this company to date. The derogatory marks has unfairly hurt my credit score. To resolve this please have Caine & Weiner to stop reporting this inaccurate information to credit bureaus. [ Caine & Weiner XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA., XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
THIS IS ABOUT JACOB LAW GROUP, PLLC IN XXXX, MISSISSIPPI. 
THIS FIRM HAD A LEIN PUT ON MY HOME OVER A COLLECTION THAT WAS PAID OFF IN XXXX , THE LEIN WAS PUT ON MY HOME IN XXXX. THIS WAS A XXXX XXXX XXXX XXXX THAT HAS BEEN PAID OFF , NOW THIS LAW FIRM IS TRYING TO COLLECT DOUBLE ON THIS ACCOUNT . I HAVE BEEN CONTACTING THEM  REGULAR ABOUT THIS . THE CIRCUIT CLERK OF COPIAH HAS CONTACTED THEM ALSO BUT THEY STILL RELEASE THE LEIN WITH ALL THE PROOF THAT I I GIVEN THE THAT THIS BILL HAS BEEN CLOSED AND PAID OFF. 
JACOB LAW GROUP PLLC
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISSISSIPPI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I paid this credit card off in full prior to the due date of XX/XX/23 in the amount of XXXX stated on my statement minimum pay was XXXX. I recieved another bill after in the amount of XXXX due on XX/XX/23 and they are calling my cell not 3 times a day to collect this fictitious amount

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
I recently reached out to Equifax found errors on Equifax pertaining to my report that is incorrect do to the law 15U.S.C 1681. I demand to see proof and the original contract with my signature.Equifax failed to positively verify these accounts & has hurt my ability to obtain credit.. under FCRA UNVERIFIED accounts must be REMOVED if unable to provide me a copy of verifiable proof! WITHOUT a copy of the original contract with my wet signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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:
XXXX acct. # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct. # XXXX XXXX XXXX Magistrate Court XXXX 15 USC 1881 section 602 A States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section Stataes no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 Usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I spoke with a representative from XXXX credit bureau. I informed him that the po box they have listed XXXX XXXX XXXX XXXX NJ XXXX is incorrect. I asked him to remove the incorrect address. He informed me that he would not remove it because a creditor ( Navy Federal Credit Union ) shows this incorrect address. This is my account and I am informing them it is incorrect. Why would he not remove this and go by a creditor, who has incorrect information. This inaccurate data can affect my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was a victim of identity theft there are multiple things on my credit that I need to get them removed I have to file a police report, In the information is still showing on my credit report. I need to get National Credit System removed from my professional debt, National Credit System, Professional Debt XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: MI

Complaint narrative:
An account/tradeline exists as XXXX in my credit files that is wholly inaccurate and contains false/misleading information. The referenced account appears beginning XX/XX/XXXX at which point the XXXX XXXX alleges a payment was late by one-hundred twenty ( 120 ) days. The account then begins reporting as one-hundred fifty ( 150 ) days past-due in XX/XX/XXXX. By XX/XX/XXXX the account begins 180 days past-due with at least one ( 1 ) of the three major CRAs. Yet, the furnisher of the information acknowledges that they did not begin contacting me until XX/XX/XXXX. The account is reporting as credit with a term of one ( 1 ) month. Yet, the account is not for a revolving loan or a loan product with terms of one ( 1 ) month. Moreover, the servicer for this alleged account has provided false/misleading information required to even check the balance of the alleged account -- the data furnisher is aware of this. I have been denied access to housing based upon this payment history.

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