vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Unlock Wealth $
State: GA

Complaint narrative:
I applied for the loan with Unlock WealthXXXX. To be approved I had to pay {$2500.00}. I paid the funds in XX/XX/2021 and was told that the loan payments would begin in 4 weeks. Months passed and I never received the loan. I requested a refund of my {$2500.00} and was told it was processing, but never received it after numerous emails. They do not have a phone number and has turned off the ability to comment on Social Media. I reached out to my bank ( XXXX  ) but was told too much time had passed to dispute it through them. I have never received the loan OR the return of my {$2500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My Correct Name is XXXX XXXX XXXX XXXX I'm not known by any other name my Phone number is XXXX I have no other number. My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no other addresses. My Job is XXXX XXXX I have no other Job.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus XXXX, Transunion, and XXXX in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus Equifax, XXXX, and XXXX in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus will not fix the collections account for XXXX XXXX. I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.

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 2022-05-24 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
My Complaint is one of FRAUD against XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. 

{$180.00}. was stolen from my checking account without my consent AFTER XXXX discovered HER M & T Bank Teller Made an ERROR and TOOK {$180.00} on XX/XX/XXXX to Pay my, XXXX XXXX XXXX 's Secured Credit Card Bill at the Bank Teller inside XXXX M & T Branch as I did every month. I had no idea the teller withdrew money from the Secured Savings Acccount connected to secure the Credit Card. Only my currently being applying for a new apartment and requesting my financial bank statement brought the matter to XXXX 's attention and on XX/XX/22 MONEY WAS STOLEN without my consent from my checking to REDRESS THE XX/XX/22 TELLER ERROR. I have FILED A POLICE REPORT of THEFT TO NO AVAIL. M & T Bank has REFUSED TO PUT MY STOLEN MONEY BACK and I am in Between apartments. I move INTO NEW APARTMENT on XX/XX/22 but am XXXX and have been ROBBED OF MY MONEY TO EAT AND LIVE. Today is XX/XX/22 M & T Bank are THEIVES OF MY MONEY> XXXX XXXX PLease HELP at ONCE

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 2022-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The creditor agreed to remove off the report once settled. The account is still on my report reflecting negatively.

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 2022-05-24 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: CBC Companies, Inc.
State: FL

Complaint narrative:
The creditor agreed to remove off the report once settled. The account is still on my report reflecting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: CORELOGIC INC
State: FL

Complaint narrative:
The creditor agreed to remove off the report once settled. The account is still on my report reflecting negatively.

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 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My complaint is against PHH Mortgage Servicing company for the added service charge of {$7.00} for making an online payment. I have already contacted PHH and they have already explained that they have the legal right to charge this fee. The part of my complaint that they left unanswered is how is it fair that they can charge {$7.00} for an ACH transfer that probably costs them less than {$1.00}. That is an excessive mark-up that I feel should not be allowed especially given that I never had a choice in who my mortgage servicing company would be and I do not have the option to move my account to another servicer. 

I feel like the CFPB and state agencies should be doing more to protect consumers from high fees, especially in industries where we have no say so or choice in who services our loans.

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 2022-05-24 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: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXXXXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX  ACCT # : XXXX, has violated my consumer rights. 

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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-24 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 XXXXXXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXXXXXX XXXXXXXX ACCT # : XXXX, has violated my consumer rights. 

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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus will not fix the collections account for XXXX XXXX I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus will not fix the collections account for XXXX XXXX. I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX  letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.

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 2022-05-24 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:
In accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 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 2022-05-24 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anv purpose.
42.5K

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I made a purchase on XX/XX/2021 by using my Amex Platinum card. It was {$2300.00} on XXXX website. They shipped out a XXXX package and I never received it. I dispute this charge several times and Amex didn't take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

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

15 U.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 2022-05-24 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

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

15 U.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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Synovus Bank
State: RI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/22 I received correspondence from Capital One Auto Finance stating that my automobile loan was paid in full. Upon receiving this information I used the extra money to do some long neglected repairs around the house. On XX/XX/22 I received an email from Capital One stating that my account was pasted due and I would be charged a XXXX dollar late fee. On the following day I contacted the company in question regarding this issue. I was informed that the correspondence that I received stating my loan was paid in full was an error on the companys behalf and that they would cancel the late fee. I am a retired XXXX from the XXXX XXXX XXXX XXXX and I am on a fixed income, the error that this company has alleged made has turned my budget upside down and put me in a difficult situation. During the first three years of this loan I paid extra money toward the principal and this loan should be paid in full. If for some reason it isnt the company should not be issuing false and misleading information that cause customers to suffer from their incompetence. Any assistance that you can give me regarding this issue would be greatly appreciated. I would like to thank you in advance for your assistance regarding this issue.

Company response to consumer: Closed with explanation