vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code 1692e 10- False or misleading representations Provide proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Falling that, the items must be deleted from the report as soon as possible.

15 U.S. Code 1681s-2 ( aN3 ) : You did not enter this notice of dispute ; you Edit Deleted! 
hadko dhvs from date you received my as disoute and occause XXXX XXXX XXXX XXXX to your company is in volation instruccon Provide proof of this alleged item, specifically the original application, Edit contract. note or other instrument bearing my signature. XXXX that the XX/XX/24 items muss be deleted from the record as soon as possibie

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TX

Complaint narrative:
discover states account was charged off for {$4200.00} on XX/XX/XXXX disreguarding a lup sum payment of {$4000.00} made XX/XX/XXXX, data reporter refuses to list the payment in credit report after more than XXXX disputes filed thru XXXX reporting service. copy of receipt for the {$4000.00} payment was downloaded with dispute, yet file has not been corrected as of XX/XX/XXXX results of dispute have not changed since first fileing dispute XX/XX/XXXX, Data reporter still states {$4200.00} write of knowing that is incorrect write of amount as of XX/XX/XXXX is {$190.00} that will be paid XXXX  credit for the {$4000.00} payment is listed and dispute is corrected or file removed for being incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: WI

Complaint narrative:
I used Remitly to send money to XXXX. The aplicacin at first didn't fin the account but eventually a low the money to go through. After a month, the business we set the money to sent us a notification that we never paid them. I contacted Remitly and they started an investigation. After three weeks of not hearing back, I contacted them again. They said they received a verval confirmation from the recipients bank that the money was deposit and asked me for the recipient bank statement from the month of XXXX. As a business, they will not provide a bank statement to me. All I need is for Remitly to give me an statement confirming that the money got to the account and I can send that to the recipient or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX. XXXX XXXX. Transunion Consumer Solutions 3. XXXX  XXXX  XX/XX/2019 : I have public record twice. I have asked for method of verification twice. I have not been provided evidence. The filing/reported date is wrong. The closing day is also wrong. The Reference number is wrong. I demand you provide me with a method of verification. I have attached a letter from the court saying they have not reported this public record to any of the bureaus. Delete this immediately! 



XXXX XXXX XXXX - XXXX : I have disputed this account twice. I AM NOT LIABLE for this debt. I asked for validation, and nothing was provided to me. It has been deleted before and reinserted without proper notice and certification. Delete this immediately

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 2024-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom it may concern, My monthly note with Wells Fargo was set at {$630.00}. I paid Wells Fargo 4 payments {$2500.00} in advance in XXXX and wanted that money to go toward my principle note, instead Wells Fargo put that money toward my next 4 payments. I was was told I didn't owe a payment for the next 4 months, so I didn't make a payment for the next 4 months. I've been paying {$670.00} - {$700.00} every month since I purchased the vehicle. I received a letter stating that Wells Fargo had reversed my payment and put it toward the principal note and that I was 4 months behind on my payments. I then began receiving calls that my vehicle was up for repossession. I called Wells Fargo several times and asked them what does " reversing my payment '' mean. I never got a explanation. Tuesday XX/XX/XXXX I went outside to go to work and my truck was my gone. I called Wells Fargo and was treated like a criminal. They took my truck. I've been researching Wells Fargo 's history and found that in XXXX they were found guilty of several repo 's that shouldn't have taken place. 
Please help me ASAP. I'm not a bad guy!! 
Thanks in advance.

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 2024-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
15 USC 1681 Section 602 States I have the 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

PLEASE UPDATE ACCOUNT TO XXXX IMMEDIATELY THANK YOU AND ADVANCE PAID AS AGREED/NEVER LATE

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 2024-01-28 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The XXXX XXXX Account number XXXX is in violation of my rights to privacy in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
The mortgage company was late paying both installments of my property taxes through my escrow account. They ended up paying the original balance but did not pay the late fees that came about from paying both installments almost two months late. They paid {$3700.00} on XX/XX/2023 when the payment was due by XX/XX/2023. Because of this late payment, a late fee was due by XX/XX/2023 that I got in the mail on XX/XX/2023. I contacted M & T and told them I felt more comfortable paying the fees and getting reimbursed because if they were not paid within the week then my property taxes would be sent to auction. I spoke with a representative and was told on the phone that I would get reimbursed once I paid the late fees and submitted the required receipt. I paid the tax fees to the county directly and submitted my receipt to get reimbursed. After submitting all paperwork, I received a letter saying the penalty was not charged to me, therefore there was no overpayment and I would not be refunded. I contacted them on separate occasions and asked to speak to a manager to clear this up and was told a manager would call back within 24-48 hours, however a manager never returned the calls, and I have been unable to speak to a representative to help with this matter.

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 2024-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

PLEASE UPDATE ACCOUNT TO XXXX IMMEDIATELY THANK YOU AND ADVANCE PAID AS AGREED/NEVER LATE

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 2024-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
15 USC 1681 Section 602 States I have the 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

PLEASE UPDATE ACCOUNT TO XXXX IMMEDIATELY THANK YOU AND ADVANCE TO PAID AS AGREED/NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX Account number XXXX and the XXXX Account number XXXX are in violation of my rights. Also, the list of inquiries is in violation of my rights to privacy in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting 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:
XXXX and Equifax are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The account blance for XXXX XXXX Credit card blanace has not been reported and updates since XX/XX/year>. Need to report accurate information and update balance

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 2024-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I purchased furniture at Raymour & Flanigan on XX/XX/XXXX that had a Deferred Interest for 12 months. They refer to this as Plan 1. I set up an autopay monthly that was to clear the entire payment on XX/XX/XXXX. I paid the entire amount of this purchase on XX/XX/XXXX with a payment of {$410.00}. 

I made XXXX more purchases on XX/XX/XXXX and XXXX, XXXX similarly with Deferred Interest arrangement. These are Plan 2 and Plan 3. I setup an autopay for it for {$400.00} per month with the first payment of {$400.00} on XX/XX/XXXX. 

However, the statement closing XX/XX/XXXX put an interest charge of {$880.00} because they applied my payment of {$410.00} which was to close the Plan 1 to Plan 2 and 3 instead. 

The only reason they are unable to reverse the finance charge is because the lady said it is already more than 60 days. I have been taking care of my spouse who was undergoing XXXX treatment over this year and have not had the time to necessarily look at all statements where I have already setup an autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I have a checking account with Citibank in which I have had my direct deposit linked to since XXXX of XXXX, and use on a regular basis. On XX/XX/XXXX I deposited a check issued by the IRS in the amount of {$3700.00} using the mobile check deposit feature on my Citibank account. A few days later, I tried to log into my account and it was locked. I called the number on the back of my card and after verifying my account, they transferred me to the fraud department where the agent stated that my account was being closed and that I could no longer use my debit card or access it. When I asked why, she said she could not tell me why and that in the account holder 's policy, states that they have the right to close my account at any time without a reason necessary. I asked when I will get the funds that I have in the account she said in 60 days they will close my account and I might be able to get a check after that for my funds but that it's up to them if they give me my money or not. I asked to speak with a supervisor and she refused. After a few days of panic, I was able to obtain a number for the Citi Executive Response Unit and reached out to them. They responded quickly but have yet to find a resolution. They asked me to supply copies of my tax document in case it helps. I did that but still can't get an answer. My utilities have given me warnings, I am a single mother of XXXX of my children XXXX and I can't even feed them at this point. My vehicle will be repossessed in a matter of days, I don't have access to my paycheck because I went to that account. I am scared and at a loss of what to do now.

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 2024-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: TX

Complaint narrative:
I asked company for validation of debt which is not sufficient enough in showing I own this debt. The bill they sent shows a address I never lived at with a move out date. They also reported this debt to my credit while they were suppose to be validating this debt. This is a violation of my rights. They also did not include a tear off form that I can send back to them to dispute this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXXXXXX Account has written /Charged off and on credit Reports it is showing Late Payments/Missed Payments on Credit Report..it is unlawful to write off and still 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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Account has written /Charged off and on credit Reports it is showing Late Payments/Missed Payments on Credit Report..it is unlawful to write off and still report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The account blance for XXXX XXXX XXXX XXXX blanace has not been reported and updates since XX/XX/2023. Need to report accurate information and update balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The account blance for XXXX XXXX XXXX card blanace has not been reported and updates since XX/XX/2023. Need to report accurate information and update balance

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