vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: VA

Complaint narrative:
I had a personal loan with Omni Financial back in 2020. I paid the first loan off and was asked if I wanted another loan. I said yes because I needed the money at the time. The process was quick but there is currently a very high interest rate of 35 % which makes it extremely hard to pay off. They also used an allotment to do so. They call during work hours which interrupts my daily duties. I am a member of the XXXX XXXX so I did not expect to be hit with an APR this high. I have never had an APR to be this high in my adult lifetime. I really need some help in getting this situated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Account Number : has violated my rights. Or a list of Inquiries : 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 an 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 or 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 non-monetary relief
Consumer complaint received 2023-03-02 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Account Number : has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I would like to express my frustration and lack of empathy and transparency I experienced in my interactions with Ally Bank. 

I issued 2 checks for {$50000.00} each to my husband who deposited it using mobile deposit to his account at XXXX XXXX At around XXXX PST on XX/XX/28 I received a call from Ally Bank 's fraud department who confirmed verbally that I had indeed issued the checks and they confirmed that the checks would be allowed to be encashed. But unknown to me, according to Ally Bank transaction records, they had already returned the checks due to a mysterious " Irregular Signature '' reason and rejected them. They did this at XXXX XXXX which was about 3 hours even before their fraud department bothered to call me to confirm the checks on my account. 

And due to their actions, the checks bounced and my husband was charged {$14.00} in returned item fees by his bank. We wanted to use the money for a down payment and because of Ally Bank 's callousness, we couldn't do it. 

I contacted Ally bank today ( XXXX ) and spoke to their phone banker who said that it was the " other '' bank who rejected the checks. My husband contacted XXXX XXXX who confirmed that it was Ally Bank that rejected the checks and they had no part to play in it. I am attaching the screenshot of that communication with this issue.

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 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
Failed to honor that this alleged obligation is not mine and failed to grant monetary relief and is unauthorized to conduct business in my state of residence, Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

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 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 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 non-monetary relief
Consumer complaint received 2023-03-02 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: FL

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 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 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 explanation
Consumer complaint received 2023-03-02 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: AZ

Complaint narrative:
I have disputed inquiries that were not made by me to TransUnion and those were, XXXX XXXX and XXXX XXXX XXXX XXXX. I have disputed inquiries that were not made by me to XXXX and that one was, XXXX XXXX XXXX XXXX and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXX XXXX  XXXX XXXX accounts with TransUnion and one account with XXXX and XXXX XXXX XXXX XXXX XXXX account with TransUnion XXXX XXXX account with 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 2023-03-02 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: TN

Complaint narrative:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.

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 2023-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Abusing an escrow account stating that my escrow was short and additional money need to be added in order to pay my insurance company. I have my year to date statement which states my escrow amount was {$1400.00} my insurance payment was {$1000.00}. I asked them where did {$400.00} and they informed me that it was never there. Also when I was taking to get out of the loan they informed other agencies I was a high risk. Until interest rate down I want to be removed from their escrow because it's a scam. And a full investigation on my extra funds from my escrow.

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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX my husband tax refund was deposited into my account, days later Bank of America closed my account. I have been calling to have the funds released to my husband but I was constantly told that I have to call back for an update. It is XX/XX/XXXX XXXX the supervisor of the closure department told me that there was no way to get in contact with the back department handling this issue and she also informed me that she could not request an update and there is no way to contact that department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing ( FCO ) is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX, & XXXX. Fair Collections & Outsourcing does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, reporting inaccurate, false, and damaging information to the consumer reporting agencies. They are in violation of multiple federal laws. 

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

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 2023-03-02 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have been disputing this fraud for years and it has been extremely damaging and hurtful. Someone opened a XXXX XXXX Credit Card account in my name charged XXXX dollars ' worth of items and never paid the bill. Because companies can not keep my information safe, I have been a victim of multiple breeches, and other identity violations. I have suffered, denial of credit, increased cost of credit paying 159 % interest for a small personal loan, lost opportunity to obtain credit, and failure to receive unsolicited offers. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. recipients on the credit report show who has received it ; damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in direct violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092 ; and 15 USC 1692g , 1692c, and 1692j. Please remove this off all my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX i stayed at the XXXX XXXX location I had to a pay XXXX $ security deposit. I checked out XX/XX/XXXX the funds where released by the hotel. Starting around the XXXX of XXXX I called about my XXXX $ not being in my account I called the hotel they reassured me that it has been released I called Chime they said to talk to the hotel I told them I did that before calling them they said wait 10 business days. I called back the XXXX of XXXX, and was told the same thing. I had to argue with the rep cause I have already been told that, I went on to call chime back on 3 way with the XXXX XXXX. ( XXXX ) Chime employee and Hotel manger talked about issue the hotel manger offered to give the 6 digit release code which was missing the chime employee told us he could not accept that and he had to put in a dispute. I put the dispute in for my XXXX security deposit missing. The dispute was not filled out correctly XXXX dispute number closed ( XXXX ). And now I have to fill out another dispute My thing is how was the dispute filled out incorrectly when I was asked very specific questions and I gave correct and honest answers I was asked how much the charge Im disputing was XXXX The card I used credit And the date of the transaction XX/XX/23 How did yall give me back XXXX but not the XXXX I originally put my dispute in for. 




and wait another 30-45 days. No one will help me I keep getting passed around to department to department. Even the dispute department told me to call the hotel again and check and seee if they release the money, my dispute not only was it handled improperly it was not handled in a timely matter. No one knows the protocol and I have requested my documents for this dispute and was told I have to wait till its closed I waited and now. Im told now my request has to be sent to a different department and I have to wait 10days. This is to emotionally draining and I have been crying even on the phone with your reps I feel as if Im being bullied by a big corporation and Im never going to get my money back no one knows how to fix my issues and they dont care. I suffer from XXXX and XXXX and to be put in this mindset is not easy for me to shake I work really hard on my mental health and I feel as if chime the company not only is stealing money from their customers but also causing terror in they lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: AZ

Complaint narrative:
yes Experian has the wrong debt to income ratio on my account and I tried to fix it with them, but I could not get it fixed with them.what I tried to fix was my monthly income which is {$6200.00} a month.and they could not fix it.so I turn to you to help me to get it changed

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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
I HAVE TRIED TO FIX THIS ISSUE. THESE COMPANIES WILL NOT REMOVE THESE ITEMS OFF MY CREDIT REPORT. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT. I'VE SENT LETTERS REQUESTING THE ORIGINAL CONTRACT WITH MY WET SIGNATURE. I HAVE NOT RECEIVED ANYTHING. I WANT THESE ITEMS REMOVED OFF MY CREDIT.

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 2023-03-02 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: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 non-monetary relief