vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally financial is contacting my ex husband and who knows what other people they are contacting connected to me but I told them the only number they can call is me. Ive already paid them half the balance due for this month and set up a payment scheduled to be taken out for the remainder due for this month next week. They are harassing me and anyone previously connected to me.

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 2022-10-20 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: MO

Complaint narrative:
In Accordance with Fair Credit Reporting act. The listed accounts below has violated my federal proctected 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 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( c ) The term consumer means an individual. 

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name is incorrect in all debt on my credit report I disputed and uploaded my id to show proof and 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 2022-10-20 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: TX

Complaint narrative:
I would like to file a formal complaint against Equifax for violating my FCRA rights. I've sent several letters to Equifax to try and get them to investigate these inaccurate accounts on my behalf. Due to the security breach I am concerned that they have not responded to my requests. They haven't done anything to help me get these inaccurate accounts and errors removed so I am reaching out to you for help. I have attached the last letter I sent them so you can see all of the inaccuracies in their reporting. Please help me get these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
I requested a refund of {$6500.00} because I made payments towards my student loans after XX/XX/2020. When I contacted EdFinancial, they told me that they do not know when the {$6500.00} will be refunded to me. It has been over a week now and I have yet to receive any updated or the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX and XXXX  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 602 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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a checking account and debit card with Discover Bank. Back in XXXX my debit card got charges with fraudulent charges from XXXX different companies and I immediately reported this to Discover Bank and they issued me a new card and investigated the charges. The smaller charge they solved but now 2 months later the {$830.00} charges they are saying that they have found to be my charges. The company is XXXX College XXXX XXXX XXXX which I have never heard of. I am almost XXXX and I am not enrolled in any college. I expected Discover to help me and I feel let down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: NC

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 # /ref # XXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
My loan with this company has been paid off and ( despite countless phone calls ) they REFUSE to a ) send me the title and b ) report the loan as paid off to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: MO

Complaint narrative:
In Accordance with Fair Credit Reporting act. The listed accounts below has violated my federal proctected 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 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( c ) The term consumer means an individual. 

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for

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 2022-10-20 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: NC

Complaint narrative:
XX/XX/22 I requested a stop payment for a draft from XXXX pay financial because they was drafting twice a month, instead of once. I've begged US Bank to monitor the situation, instead they ALLOWED XXXX  Pay Financial to drain my checking account so they could accumulate Overdraft fees... So now my account is negative and I can't open an account somewhere else.

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 2022-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is ALLY FINANCIAL which was opened XX/XX/2016 with a balance of {$700.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I have spoken on the phone with this debtor a month ago and informed them that I have every intention on paying off the remaining debt over time, but I can't pay the entire amount in one lump sum because I am playing catch up with other bills at the time. I did verbally inform them that I can make chunk payments periodically to get the balance down until I'm in the position to pay off the remaining balance in one payment. However, I get calls from them every other day as if I wasn't already aware of the debt. This is a very abusive and aggressive tactic they are using to collect the debt and it's very aggravating. I am making strides towards paying off the balance but there is no need for this approach. Thanks, and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast credit union closed my account, and I did not receive the money that I had in that account that was around {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2022-10-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
They charged my acct XXXX 2 times on XX/XX/XXXX and they stares its a mistake in thier end and I have over XXXX dollars in the bank. They told me they will get my acct in order it is escalated. I have been calling XXXX my acct is in the negative XXXX Bcz of these charges they have debited I have no access to my money. Each day I call they say they dont know when I will get my money from my paycheck but they do see it is an error on their end. In the meantime my lights are out my car is repossessed and I am about to loose my job because I work from home. I dont know what else to do but call them everyday and they refuse to give me my money so I can pay my bills XXXX if 2 mistakes that have made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My payments are made by auto pay on my Gap XXXX  reward card/Barclays. Barclays had an issue with their system duplicating payments for my payment on XX/XX/XXXX. My bank, XXXX XXXX stopped the duplicate payment, and then Barclays realized they took a duplicate payment out of my account, and then they took back the payment. XXXX XXXX realized that Barclay 's corrected the duplicate payment and sent my payment again on XX/XX/XXXX. Barclay 's claims they did not receive the payment, only received the reversal. I have emailed my bank statement to Barclays Resolution department showing proof of payment, 3 times, to XXXX. I have spoken to 3 different Managers. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last manager I spoke to on XX/XX/XXXX, her name is XXXX, told me that my bank statement is not enough proof of payment. She requested I get something in writing from XXXX XXXX. She then called XXXX XXXX while we were on the phone together to verify my checking account # and routing #. The XXXX XXXX representative also confirmed verbally the payment was sent to Barclay 's and received. Even XXXX XXXXXXXX told the Barclays representative, that what you are asking for is against banking policies, the bank statement is proof of payment. XXXX XXXX also provided me with the Trace ID of the transaction, and that does not seem to be enough proof for them that I made the payment. 
At this point, I have provided proof and they still have not applied my payment. I do not know what else to do to resolve this situation. Furthermore, I never received anything in writing from Barclay 's about the duplicate payment issue, I only found out about it on XX/XX/XXXX when I tried to make a purchase with that card, and it was declined by Gap. I still have not received any notification that they have received my statement and are looking into the issue. All I want is for them to apply the payment that I sent.

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 2022-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/XXXX Credit Limit was {$50000.00} and unauthorized Banking Transfer of {$49000.00} was added to account. Homeowner was confused so stopped making payments. On XX/XX/XXXX, homeowner and I called lender and were told the XXXX Department would research and put a hold on foreclosure, XXXX. On XX/XX/XXXX and XX/XX/XXXX, the homeowner was contacted by the lender 's Fraud Department but they would not allow the HUD certified housing counselor to join the call and would only speak to the homeowner. Difficulty reaching the Fraud Department through many transfers and no answers about investigation given. On XX/XX/XXXX, told there was no person handling the account and there was a charge off, but the homeowner 's monthly statements continued to include the extra {$49000.00} plus interest and late fees. Homeowner submitted a Request for Mortgage Assistance and her Point of Contact noted the Fraud investigation and said he would try to get the balance down to {$50000.00}. On XX/XX/XXXX, the Fraud Department stopped communicating with the homeowner. A 3-month trial payment plan was offered including the entire disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management XX/XX/2020 {$740.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy.

15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX : Received credit card from Comenity Bank, which was a replacement card due to buy -out of original bank. I had received no notice of this change. I called comenity to confirm the reality of this, as the change was immediate... /effective that day, and to ask two important questions,1 ) Are my automatic payments on this new card going to be transitioned by the new bank and 2 ) are my saved account # 's with places such as XXXX smoothly transitioned with no action needed on my part. The answer to both questions was YES, it's all covered by us. Neither of those things was true. Ive had difficulty with both. The newest problem, which prompted this complaint, is : : : I made an online purchase before the card changed hands, and 4 days ago, sent some of the items from that purchase back to the online company. The company called me, XX/XX/XXXX, as they are unable to refund my $ XXXX as the credit card # # is declined. I gave them the new card # #, and they can not process it, can not accept it. They said this has never happened before. SOOO I called Commenity again, ( I had also complained to them on XXXX XXXX re denied card, denied automatic payment etc ) and after 10 minutes with an agent, the supervisor said I should just get a cash refund. Its an online purchase, in another state. Then there were apparently going to be some " other things '' I could try and i said clearly : : : : : : : : : : NO. Your problem, not mine. What are YOU going to do to fix this. I did nothing wrong, Im not jumping thru hoops to fix your consistent mistakes and misrepresentations. And I hung up. I have sent complaints to FTC and XXXX  as well as this one to you.They have clearly misrepresented the change over process and their abilty to handle it...

Company response to consumer: Closed with explanation