vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IA

Complaint narrative:
On several different occasions, my balance will show more than what is in the account. At first, I thought I had just miscalculated, but, then I was hit with a bounce fee. When I went to see how I could have bounced, I seen the amount had been " adjusted '' only AFTER I had spent the extra money in the account. This has happened two other times as well. Today, I checked the account against my math, and the account shows an additional {$12.00} over my actual figure. I had my husband do the math as well, and his matches mine. {$12.00} don't seem like much of a difference, until you spend XXXX only to find out you really only had XXXX. Then, another bounce fee. Why are they allowed to do this

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fruad accounts and inquiries appearing on 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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Fruad accounts and inquiries appearing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: MD

Complaint narrative:
i WAS SOLD A CAR WITH BAD ENGINE AND OTHER SERIOUS ISSUES i HAVE TAKE CARE TO THREE DIFFRENT XXXX DEALERS AND WS TOLD TO USE WARRENTY THE CAR WILL GET FIX I AM NOT SURE HOW GOT A CAR INSPECTED FROM MD IN THIS CONDITION i HAVE REACHED OUT TO XXXX XXXX  AND NOW i AM GETTING CONTACT THEM BY EMAIL THE XXXX XXXX XXXX IS CLOSED i TOLD FINANCE COMPANY I AM GETTING ROUND AROUND AND SRILL REQUIRE TO MAKE PAYMNYS

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 2023-02-22 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: LA

Complaint narrative:
I am writing to file a formal complaint against Experian, a credit reporting agency, for its failure to accurately report my credit information. Specifically, I believe that Experian has included inaccurate information on my credit report, which has resulted in negative consequences for me. 

Despite my efforts to rectify the issue by disputing the inaccurate information, Experian has failed to investigate and correct the errors. This has caused undue hardship and financial damage to me, as the inaccurate information has negatively impacted my credit score, and subsequently, my ability to secure loans, credit cards, and other forms of credit. 

I find it deeply concerning that Experian, as a major credit reporting agency, has not taken the necessary steps to ensure that the information it reports is accurate and up-to-date. I believe this represents a serious breach of its duty to protect consumer information and is a clear violation of the Fair Credit Reporting Act. 

I am requesting that the Consumer Financial Protection Bureau launch an investigation into Experian 's handling of my credit information, and take appropriate actions to ensure that Experian corrects any inaccurate information on my credit report, and takes necessary measures to ensure this does not happen to other consumers in the future. 

I would appreciate a response to this complaint at your earliest convenience. Thank you for your attention to this matter. 

Sincerely, 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 2023-02-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX reports shows a claim related to carpet damage at the XXXX apartment complex in XXXX, Texas in XXXX The claim is incorrect and the collection report was already removed from XXXX and XXXX reports. The credit ( XXXX XXXX ) never verified or validated the claim and continues to incorrectly and FRAUDULENTLY assert it.

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 2023-02-22 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions and consent of the consumer ( myself ). 

XXXX and EQUIFAX has furnished my credit file with inaccurate information and accounts. I have try to resolve this matter several times by disputes with each bureau. Each dispute comes back as UPDATED and is a violation of my rights by law. 
If each bureau is furnishing different information the that very information is deemed invalid. This information and inaccuracies clearly violate the laws of the Fair Credit Reporting Act. Which information is correct? By what measures? I deserve the right to an account credit file. Please remove and delete this inaccurate account and information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WV

Complaint narrative:
Received a gift card in the amount of {$100.00} on XX/XX/XXXX. Tried to use the card in XX/XX/XXXX. The balance was XXXX. I called Vanilla Visa Gift card at XXXX and was told the card was used in Illinois at a restaurant. I live in another state and have never been to Illinois. For starters, they had my first name wrong. I immediately corrected the rep and they asked me to send an e-mail to gift XXXX to correct my name which I did. This was on XX/XX/XXXX. I have called several times and today, XX/XX/XXXX, they told me I had to send a bill with my name and address to verify my first name. I have the card myself with all the necessary info so it wasn't that I lost or misplaced the card. Someone just got the number somehow. Each time I call I get the same story. It will take until XX/XX/XXXX to resolve. But today the rep said I needed to verify first name before they could start the investigation. I did nothing wrong and it's not my fault that someone didn't ask for proper ID when the number was being used since I have possession of the card. Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to the bankruptcy and charged off accounts that appear on my credit report. These accounts have caused me a great deal of distress, as they are preventing me from obtaining credit and moving on with my life. 

In XXXX, I filed for XXXX XXXX  bankruptcy ( XXXX XXXX XXXX bankruptcy account ) as I was unable to keep up with my debts. Since then, I have been working hard to rebuild my credit, and I have been making steady progress. 

However, I have noticed that several accounts that were XXXX in the bankruptcy are still being reported as charged off ( DEPT OF EDXXXX XXXX charge off account, XXXX XXXX charge off account, XXXX OF XXXX XXXX charge off account, XXXX XXXX XXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX XXXXXXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX XXXX charge off account, XXXX XXXXXXXX XXXX XXXX charge off account, XXXX XXXX XXXX XXXX charge off account ). These accounts should have been included in the bankruptcy and should no longer be listed as charged off. 

I understand that it can take some time for credit reports to be updated, but it has been several years since the bankruptcy was XXXX, and these accounts are still causing me a great deal of trouble. I would appreciate it if you could investigate this matter and remove these charged off accounts from my credit report. 

I have been making every effort to rebuild my credit and improve my financial situation, but these accounts are hindering my progress. I hope that you will take my situation seriously and take the necessary steps to correct this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
To start from the top I had taken the mortgage forbearance offered during COVID by my loan servicer, LoanCare - approx. 13 months +/-. At the end of it ( XX/XX/XXXX ) I submitted the necessary paperwork to see what options I had and entered into the trial period of making mortgage payments again. 
During this time I received an email from MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY ( MSDHA ) about their new pilot program Michigan Housing Assistance Fund ( MIHAF ) with the goal of it to bring mortgage payments current to those who qualify. I submitted the necessary paperwork around XX/XX/XXXX and then by XX/XX/XXXX I was alerted that I was DENIED in the MIHAF portal due to me being in a loan modification. At that time I had no idea nor had I received any paperwork related to a loan modification from LoanCare until AFTER this denial- approx. the last week of XXXX XXXX. 
In the MIHAF denial it referred me to one of the MSHDA agencies for additional questioning - NO APPEALS process at all was mentioned. I spoke with MSU EXT., a MSHDA agency and I had a terrible experience with them and things were dragged out for over a month. Even if I did decide to take the loan mod at that time I missed the low interest rate window by that time. 
After continuous back and forth with MSU EXT for almost 2 months, they were finally able to find the official appeals process for MIHAF which was an email address. I submitted my appeal on XX/XX/XXXX. I did NOT receive any response or communication from them regarding the appeal. I even requested call backs from management and nothing. I emailed the XXXX mailbox one more time back in XX/XX/XXXX, still NOTHING. 
By this time I gave up and agreed to start the process again with LoanCare, to which they had to do all of the paperwork again. I had to do 3 months of trial payments again which started last XXXX to XXXX. I received the modification paperwork in XX/XX/XXXX and finally agreed and signed the first week of XXXX. 
A week after signing, I received a message from the MIHAF portal saying my XXXX is approved - XXXX XXXX XXXX. I spoke with an agent and she gives me the details of my account stating that they accepted my appeal in XX/XX/XXXX and REQUESTED the back payment info from LoanCare but NEVER heard back from until XX/XX/XXXX, which is just a few days after I signed and agreed to the loan modification. 
I spoke to both LoanCare and MIHAF on XX/XX/XXXX - MIHAF says they approved to release the funds and bring my account current on XXXX. LoanCare says they objected to the funds on XXXX because I have accepted the loan modification. 
MIHAF has escalated to review this.

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 2023-02-22 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: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am submitting a complaint regarding my Pentagon Federal Credit Union Credit Card Account number starting with XXXX with a 30 Day late reporting. I do not recall being late and according to my research dealing with late payments, because of COVID 19 and The Hero's/ Care 's Act, this should have not been reported.

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 2023-02-22 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: PA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-02-22 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: NY

Complaint narrative:
On ( XX/XX//2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Premium Credit Bureau
State: GA

Complaint narrative:
Hello, On XX/XX/XXXX I submitted a complaint based on Premium Credit Bureau pulling an authorized hard inquiry on my credit report. XX/XX/XXXX they responded confirming that within 60 days the hard inquiry will be suppressed. 

It's been 323 days and the unauthorized hard inquiry is still on my credit report. See page 28 of my XX/XX/XXXX XXXX Credit Report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Wakefield & Associates are on my Credit Report as a collector for services provided by XXXX XXXX XXXX related to a hospital visit on XXXX/XXXX/21. The hospital reports a XXXX BALANCE on my account and does not recognize XXXX XXXXXXXX XXXX as a vendor. 
I requested an itemized bill from Wakefield & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-02-22 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: Self Financial Inc.
State: MI

Complaint narrative:
TO whom it may concern, Self Financial Inc is breaking the LAW reporting inaccurate information on my consumer report without my consent. Self Financial Inc, never clearly and conspicuously explained to me certain disclosures in the agreement which I could understand. Now they are reporting false information. Since this was a consumer credit transaction governed by truth and lending act late payments are not supposed to be reported pursuant 15usc1666b. Simply update this billing error and correct these late payments or remove this inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — Reverse mortgage
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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a reverse mortgage with a company. XXXX of XXXX they sent me a letter telling me I had not paid my home owners insurance bill, which was a false statement. At the bottom of the non-payment notice, it stated " This communication is from a debt collector ''. I let it go, because I knew I made the payment to the insurance company. In XX/XX/XXXX I received another non-payment notice dated XX/XX/XXXX stating I had not paid my XXXX XXXX property taxes. This was another false claim as I paid my property taxes on time. At the bottom of the notice was the same statement " This communication is from a debt collector '' as was the notice I had received about my home insurance non-payment. On XX/XX/XXXX, I faxed the mortage company requesting the name, address and phone number of the debt collector company along with the reports the debt collector company sent to the mortgage company for both the home insurance non-payment claim and the property tax non-payment claim. I told the mortgage company that these false claims by a debt collector would possibly affect my credit rating and possibly go on my credit reports. I received a response from the mortage company dated XX/XX/XXXX they were not able to provide the requested document because " The production of the same is burdensome ''. What I need from the mortgage company is ( 1 ) the name, address and phone number of the debt collector company that sent them the false information and ( 2 ) all communications, reports the debt collector sent the mortage company ( 3 ) all communications the mortage company sent the debt collector. I need this information so I can review the information and possibly bring action agains the debt collector and possibly the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CO

Complaint narrative:
In accordance with XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX, XXXX  Account XXXX XXXX , XXXX XXXX XXXX Account XXXX XXXX, And XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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