vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Dividend Finance Inc.
State: MD

Complaint narrative:
I asked dividend for a breakdown of the finance charges listed on my solar & roof loan agreement. They stated that it should have possible after I have the loan finalized. The information is helpful to see how overpaying each monthly can save me. I can save interst, but paying extra won't save money on their hidden fees. 
When I pointed out that they want me to sign a document without a detailed explanation, the rep just apologizes that there is nothing him or his supervisor could do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I requested a refund of my payments made during Covid emergency on XX/XX/2022. I made a follow up call in XXXX to check the status at which time the representative decided to make a 2nd refund request. At this time I am extremely frustrated and am at jeopardy of losing my home while waiting on this refund. I requested this refund over 4 months ago and I have not received a single update about this and it is well beyond ridiculous that this is not a priority at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: SC

Complaint narrative:
I filed my first Equifax Data breach settlement in 2019 each time the code I save to my contacts end up missing out contacts, my address magically disappears and slightly changes, the phone numbers Ive been sending in proof for the past 4 years never get updated, Ive put in countless days, hours, time even away from my kids traveling from city to city locally getting things printed out just for them to say they never received my proof with my Drivers License Social Security Cards Birth Certificates handwritten statements on whats fraud and wrong I always get a letter back saying they need the same information I already sent a total of 28 times just to this company alone. First class requiring a signature all of that and they tell me they still dont get me and kids information. Ive sent over {$5000.00} alone on just traveling back and forth to different agencies getting print outs, the cost to print copies not just for them for other creditors such as XXXX XXXX XXXX XXXX XXXX XXXX, and like 6 other creditors, sending proof of false information tO DMV DHHS STATE ATTORNEY GENERAL OFFICE IN REGARDS TO MEDICAL DATA BREACHES ON ME AND MY KIDS INFO AND THE IRS, the gas,. The permanent mental damages emotionally and severe XXXX copies of bank statements copies from fraud student loans I never receive any settlement and Ive had 4 different claim numbers due to remotely somehow them being deleted or taking out my home. All behind someone spoofing and framing me for debt thats not mine. Ive reached out multiple times never get a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
Incorrectly reporting late payments during pandemic under Cares act The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( Mar. 27, 2020 ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). 

New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ).

If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ).

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 2023-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AK

Complaint narrative:
Tried to contact them regarding payment but no response. Never got a call, message or any mail saying that we missed a payment until I noticed myself that the payments did not get withdrawn. Payments were being taken out every 4th of the month but for some reason when I looked back on the transactions they started to withdraw on a different date which caused our payments to not be available and I was charged NSF fees. They did not specify that my payment dates changed, like I mentioned no form of contact at all. It seems like they meant to do that so that I would miss my payments. I emailed them again regarding that and again no response.

There is no way to go online to make a payment, you have to email them and speak to someone to get that to happen. No online access to our account or anything. 

So now I received a letter from a debt collector XXXX XXXX XXXX, XXXX. telling me I have to pay the total amount of {$59000.00}. They should have at least contacted me to straighten out this issue before sending me to a collection agency. They seem like a fraudulent company out there get your money. They were quick to get you to sign and provide document but right after approval the person I was working with no longer contacted me and no other contact after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had capital one for many years and have a total of 5 credit cards and, two auto loans, and I also bank with them. I have tried for years to get my secured card graduated, product changes, and credit limit increases. Specifically on their venture card, which should have a starting limit of XXXX but was given XXXX. I have never missed payments on any accounts and balances are low. They give meaningless/inaccurate reasons for denying credit limit increases or product changes. I have a XXXX XXXX card that Carries a high balance for a procedure that was financed. Out of my 10 credit cards, this is the ONLY card that has a high balance. Capital one is not worth the headaches and customer service is usurped because everything is controlled by a computer. They cant Override anything or transfer you to someone who can help or even answer questions. I have been given numerous differing answers for the same questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: AL

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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights 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 2023-02-09 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: AL

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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights 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 2023-02-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne closed my account after 22 months or more of lack of activity, however I received little of any warning of this after discussing with their representative that o would not used the card due to poor rates. This was my first credit card and I have had it for 22 years or there about. I am greatly concerned that this will negatively impact my credit score and history. I have contacted their support and escalated to management and they refuse to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
There are two accounts being listed on all 3 of my credit reports. One in the amount of {$970.00} and other in the amount of {$210.00}. I do not own any of this debt as these accounts were open due to an act of fraud. These accounts were open online by someone who stold my personal information. I have no accountability to these accounts. I filed a dispute with them directly and with XXXX. Please remove these accounts and its XXXX. I spoke with a Representative today to start the dispute process. She provided the following information. 
XXXX XXXX ( merchant name ) Debt owed {$210.00} account # XXXX account # XXXX ( XXXX XXXX ) Miestone Credit Card XXXX merchant name ) Debt owed ( {$970.00} ) account XXXX XXXX account # XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-09 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: DE

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 ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/24 I was charge 3 overdraft fees of XXXX $ each on XXXX I was charged another fee of XXXX $ and on XXXX I was charge two overdraft fees of XXXX $ each.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, LLC. 
This credit reporting agency has at least 6 inquiries on my credit report which are past two years : XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX. 

They are showing public records which were DISMISSED. In the Court of law, this means the Judge did not adjudicate nor was it accepted by the US Bankruptcy Courts. 
XXXX XXXX and XXXX. 

They show XXXX XXXX XXXX XXXX  with no amount owed and no late payments. No dates. 
Transunion shows XXXX XXXX XXXX this has been disputed with the company and validation has been requested. However, XXXX is not reporting it after I disputed it with them last year. XXXX is not reporting it. 

XXXX XXXX XXXX. XXXX this is not may account. It was disputed with your company as XXXX XXXX. Transunion removed it and then placed the same account back on Tranunions under XXXX with a collections agency. ( A Validation should be given ) I would like for Transunion to handle this matter within the CFPB platform. They have not Validated all of these accounts. The companies in the validation should show my corrected Name, DOB, SSN, and Home Address, and show proof I signed electronically for the accounts. I am requesting Validation. I am not requesting bills this does not show proof the accounts are mine. 

I have declined a Housing loan because of the reporting with Transunion. I do give Consumer Financial Protection Bureau access to information on this platform for dispute. 

This report contains some of the same requests and concerns since the last year XXXX. When it comes to Bankruptcy 7 Years with a discharge depending on the Chapters. I have not had any court hearings. I have not seen a Judge. This information is to be removed.

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 2023-02-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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. The List of accounts below has 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 Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I have received calls from this number on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I do not have any outstanding debts and have requested the caller send me physical mail of their collection request. I have never received any mail from them. They call about once a month asking for sensitive information such as my SSN and mailing address. Their phone number also does not match the XXXX XXXXXXXX XXXX XXXX phone number. The phone number of the caller is XXXX.

Company response to consumer: Closed with explanation