vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX re-aged a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is a recurring problem with the bank I have the credit card connected to, Comenity Capital Bank XXXX XXXX XXXX XXXX Card. I keep getting late fees every time I pay after XXXXXXXX XXXX, and the company refuses to cancel the fees, although the payment is still done the day it is due. 

I live on the Eastern coast of the U.S., in XXXX XXXX XXXXXXXX, and I am still at work or commuting by the time the payment is due. Further, this bank has changed the due time about two years ago, in XXXX or XXXX, making it harder for me to submit the payments during their required time -the due time used to be by XXXXXXXX XXXX While the due time was later in the evening, I hardly missed a payment. 

Lastly, I have been charged late fees on XX/XX/XXXX in the amount of {$37.00} on this credit card and on another card, a XXXX XXXX XXXX that I have from the same bank, Comenity Capital Bank. Paying {$72.00} in fees only for this bank is too much for someone me, since I am paid by hour. I would like to have both fees credited. I would also like the bank to switch back to the old due time that was by XXXXXXXX XXXX on the due days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I made my monthly payment due on XXXX using the online tool. Then I arranged to pay off my loan on Sat. XXXX after calculating their 'payoff ' calendar. ( Approx $ XXXX ) Since it was a holiday weekend, I figured they would process my payoff after the XXXX of XXXX weekend. I kept checking my online bank statement, but there was no indication of a 'pending ' withdrawal. Usually, when I make a payment online, it shows as 'pending ' on my bank statement within a day or two. 

I contacted the company 's customer agents, and the only answer I got was, " that should be processed soon. '' A week passed, and my bank statement still showed NO 'pending ' transaction. I contacted the customer service agent again, and one of them told me that they have a NEW PAYOFF COMPANY, and it's taking longer than usual. It is XX/XX/21, and still, NO pending transaction appears on my bank statement. Meanwhile, my credit score is declining because I took another loan offering a better term. Without Loanme taking no action, my total debt has increased. Loanme doesn't help me blaming solely on the fact they have a new payoff company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TX

Complaint narrative:
I recently submitted a request for an INVESTIGATION of this account, and they treated it as a DISPUTE. I never gave written consent for this account to be furnished on my credit report. Therefore my rights have been violated. They closed the INVESTIGATION with the excuse that the creditor verified the info was right, but how could it be right if I never gave written consent for this account to be furnished? Also I dont believe their INVESTIGATION was done right, as they were calling it a dispute, Im not disputing the information Im telling you that the information should not be furnished because I did not give consent. 


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 explanation
Consumer complaint received 2022-07-21 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: TN

Complaint narrative:
TransUnion and XXXX Reporting systems, are purposely dropping my scores because of the complaints that I have filed against them. Yesterday XX/XX/2022, nothing changed on my report before I filed the complaint, and they dropped my score 18 points, that took me to a 629. I am XXXX years of age never owned a home, was in the process of applying and my score was hit very badly. I am not even in the running to apply now. I was at 701 with some XXXX collections and once they were remove over a year ago, my score went down as low as 600 and never rose again. The credit reporting agencies are destroying my life, they have me severely stressed and they have all the control and refuses to do the right thing. They started taking my score even lower once I filed the complaint against them. They didn't move old addresses, they didn't move a medical collection that I presented how they violated my HIPPA rights by exposing my medical records without a HIPPA release, but instead of them deleting the company they sought out a credit card that was the same before I filed the complaint, and said that's the reason for the 30 point total drop.They never sent me the actual person that they spoke to or communicated with, they just stated verified. How is this even so? I don't know what else to do, but to keep filing a complaint until they correct all the wrongs that they are causing on my reports. I have no been late on any of my accounts. thank you for all and any assistance that you can give me. These companies needs to be reprimanded for all the wrong that they are doing. They are seeking out certain XXXX and taking them down to a level where they can not accomplish anything. I have to say this but its all true. Please investigate them for this, please make them supply my reports. Again, thank you.

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 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid my car loan on XX/XX/2022 for XXXX dollars they charged me twice second charge was on the XXXX I didnt approve this charge they have took all my money and says theres nothing they can do that I have to wait 15 days I dont have 15 days this has put me in a big bind now with XXXX XXXX to get XXXX XXXX or XXXX my kids because of a so called system issue there having Im XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I recently passed the 20 % threshold on my mortgage repayment. Between repaying 20 % of the original value and the fact that my home has increased in value due to the current market conditions, I sent in a written request to remove the Private Mortgage Insurance from my mortgage to my lender. I have never missed a payment on mortgage. 

I mailed my written request to remove the PMI on XX/XX/2022. 

In speaking with my lender, Truist Bank, I found out that they had received my written request on XX/XX/2022. I had called them multiple times, with the most recent time being XX/XX/2022. During the most recent call the support staff confirmed the original receipt date, and that they had processed it and formulated a response on XX/XX/XXXX, but could not confirm if the response had yet been mailed. The support staff indicated that if the response had not yet been mailed, that it would be sent via overnight mail to me. 

It is now XX/XX/2022 and the response still has not arrived, well past the 30 business day response window that they had indicated it should take ( and may be mandated elsewhere ). Meanwhile I am still continuing to pay for unnecessary PMI on a mortgage that is several years ahead of its original repayment schedule. 

To add insult to injury, looking at my next mortgage payment, the PMI 's premium has been doubled from it's original value.

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 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Number : XXXX XXXX : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Bal : {$480.00} 4. XXXX XXXX Account XXXX : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

1. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$80.00} 4. XXXX XXXX BANK XXXX XXXX. 
Account Number : XXXX XXXX : {$690.00} 5. XXXX XXXX XXXX Account Number : XXXX Bal : {$490.00} 6. XXXX XXXX Account Number : XXXX Bal : {$1000.00} 7. XXXX XXXX Account Number : XXXX Bal : {$480.00} 8. XXXX XXXX Account Number : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$4500.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I have had issues with TD Bank credit card and bank account services since opening in XX/XX/XXXX. I have already closed my bank accounts. I have made several attempts to close my credit card. There are excessive hold times. On my 4th attempt, I got through to a representative and provided all details to close my credit card ending XXXX and expiration XX/XX/XXXX. The representative provided the required disclosure information verbally and advised she was closing the account. The call was placed on XX/XX/XXXX at XXXX. As of today, XX/XX/XXXX, the account is still open with an available balance of {$10000.00}. It was supposed to be closed immediately. I am requesting CFPB send notification to TD Bank requesting account closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: OH

Complaint narrative:
In Accordance with the fair credit reporting act Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604. A Section 2 : It also States a Consumer reporting agency can not furnish an 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 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was offered a job opportunity from my school email. The scammer claimed to be a Doctor at the clinic in the XXXX XXXX XXXXXXXX, they called themselves XXXX XXXX XXXX. They used a staffs email to send the information for the job. ( XXXX ). I checked XXXX for XXXX XXXX and was fooled into believing it was legit and texted the number they provided, they asked for my name, mailing address and resume. Then I received an email from XXXX containing a link which had taken me to a website XXXX XXXX XXXX to complete my job application. I then was asked to check online for office supplies to start working from home and so I did. I was told that everything will be paid for and students must not use their personal devices. I was to report the price online for a computer, printer and self inking stamp. I was then told that these supplies will be funded by the " professor '' and sent to me, but I will be given a check first of {$1600.00} to pay for supplies. This check was Emailed to me from the email above. The scammer/ '' Professor '' told to print the check and scan it via my mobile bank app, which I did. Once the check was successfully scanned I was told by the scammer that the funds will be processed by the next day. Since I believed I had the funds, I thought everything was okay when the " Professor '' /scammer told me to pay the supplier who will be delivering the equipment tomorrow. So they gave me the XXXX information for the supplier ( Tynesia Graves, XXXX ) which didn't work at first so a second account was given ( XXXX XXXX, XXXX ) it worked and I payed them XXXX, XXXX, XXXX respectively since a Total of XXXX dollars could not be spent at one go via XXXX. I was told that I will be receiving the supplies the next day which didn't happen and my bank told me the check was fake 2 days later. I reported to my TD bank and they set up a dispute which failed after 10 days, I reported to my local police but the investigation hasn't gone anywhere. I was scammed thinking I was receiving a job from a staff at my University. 
( I placed the 2 XXXX account of the scammer in files below )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I applied for a loan several weeks ago. I have never received any loan paperwork, so I assume they denied it. But I also have not received a letter explaining the denial. So I need either loan or the reason they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I didn't authorize

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XX/XX/XXXX we contracted XXXX XXXX to replace two of our HVAC units. The job was assigned to the contractor XXXX XXXX XXXX. The installation was completed on XX/XX/XXXX and financed by Enerbank, Loan # XXXX. At the time of sale the contractor offered us " Satisfaction Guarantee ' '' which allows us to request a full refund back. We've being having issues with contractors job. Specifically the units are not operating properly and the Contractor failed to schedule the XXXX State Required Inspection. On XX/XX/XXXX we started a dispute on the charge paid by EnerBank to the contractor on my behalf. The dispute was for aforementioned reasons. As a consumer I never agreed to purchased inoperable units, and definitely I will not accept any un-permited work, by the State of XXXX, on my Property. The Contractor agreed to refund XXXX from the original loan which was XXXX. The XXXX $ where paid back to Enerbank on XX/XX/XXXX. The remaining balance is still under dispute. I am filling this complaint against Enerbank because : 1 ) Enerbank is trying to charge me interest while we still have an open dispute on this charge. 
2 ) Enerbank failed to send me a notice which 30 days, acknowledging the Dispute we started on XX/XX/XXXX 3 ) Enerbank failed to resolve the dispute with two billing cycles required by law. 
An acceptable resolution for this case is for Enerbank to collect the remaining funds paid to the vendor because the contractor failed complete the job successfully.

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 2022-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: MO

Complaint narrative:
I applied for a loan several weeks ago. I have never received any loan paperwork, so I assume they denied it. But I also have not received a letter explaining the denial. So I need either loan or the reason they denied it.

Company response to consumer: Closed with explanation