vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dividend Finance Inc.
State: TX

Complaint narrative:
we purchased a solar system through XXXX XXXX XXXX which on XX/XX/XXXX closed their doors and went bankrupt and we had problems since the day we received the .solar and continually communicated with Dividend Finance concerning the fact that the system was non-producing as well as we never filled out an application for this loan that we were just placed with and also DF never assisted us with the problems, knowing they were occurring and also continuing to give out loans for this solar company. We have told DF that we want this trash taken off of our home and this fraudulent loan dissolved. DF was well aware of this company and their XXXX  product and was well aware of the predatory loan they were giving out. This company is unwilling to assist in this matter, and they know what they need to do as well as to file with the bankruptcy court as a creditor so that they can recoup their money from XXXX. I will recommend to people to NEVER do business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In accordance with ally.com policy, an online Secure Message was sent in writing, regarding an ally.com Bill Pay failure, on XX/XX/2022. However, no reply was ever received. Thereafter, repeated attempts were made, both by phone and by Secure Message, to obtain a reply. The most recent of these numerous attempts was on XX/XX/2022. This was a phone call to Ally representative XXXX who transferred me to Ally Supervisor XXXX who stated that there would be a Secure Message reply to my XX/XX/2022, Secure Message regarding Bill Pay failure, by XX/XX/2022. XXXX XXXX 's statement was false. What appropriate penalties and compensation can the Consumer Financial Protection Bureau impose to remedy this issue for all of the patrons of this bank?

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 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NM

Complaint narrative:
I receive SS and a pension from XXXX. I also received stimulus checks. I got a netspend card I did not apply for or request The company has done data mining and targetted me. They eat at peoples money with fees

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 2022-12-05 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: TX

Complaint narrative:
On XXXXXXXX XXXXXXXX  I started the dispute process for 4 accounts that have reported errors to my Equifax credit report. I sent my letter directly to Equifax and waited the required 30 days when I did not receive a response I sent them a 2nd letter advising that I had sent a dispute and provided them proof that the letter was received along with a copy of the original letter and my photo ID and proof of address. And waited another 30 days and still have not received a response. I gave them additional time due to the holidays to respond to my disputes and they have yet to respond. So I am filing an official complaint. It is my understanding that under the Fair Credit Reporting Act if the credit bureaus do not respond to my dispute within 30 days, the items disputed are required to be removed from my credit report. Attached to this complaint is a copy of the original letter I sent as well as the 2nd letter and proof that both letters were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2022 the IRS said they sent chime which is my on line bank, my tax refund in the amount of XXXX the IRS said chime had until today XX/XX/2022 to make my refund available to me I've called chime numerous times and they steady saying that the IRS never sent my tax refund to them and because of my XXXX XXXX XXXXXXXX I'm getting the run around I really need my tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: NJ

Complaint narrative:
Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and Experian ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint.

Any further contact regarding LATE PAYMENTS by you, your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights.

I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual.

Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account.

This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights.

I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response.

Task that you respect my consumer rights.

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 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank misidentified a charge as fraudulent activity and froze my account. When attempting to resolve the issue, customer service could not help me, and referred me to the fraud department, which is not answering phones. I have been trying to resolve this for over XXXX hours and most recently have been on hold for XXXX minutes ( and still waiting ).

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 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I AM A VICTIM OF IDENTITY THEFT! I have submitted my personal information as well as the Identity Theft report # XXXX from the FTC to your bureau. I am in total disagreement with your investigation response. The incorrect items listed still appear on my credit report, even after your investigation. I would like these items IMMEDIATELY REMOVED and for good cause. These inaccuracies are highly injurious to my credit rating. The following are inconsistent and incorrect and have been deleted by XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX. XXXX XXXX XXXX XXXX This is the information that is inaccurate on each account listed above. Open Date Closed Date Date of Last Activity High Balance * Please delete all non-account holding inquiries that are over 30 days old. * Please add a Promotional Suppression to my credit report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. Please provide The names and business addresses of each individual with whom you verified the information above, so that I may follow up. The date you contacted the individual furnishers of information. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address, or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT 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 2022-12-05 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:
To Whom It May Concern, I AM A VICTIM OF IDENTITY THEFT! I have submitted my personal information as well as the Identity Theft report # XXXX from the FTC to your bureau. I am in total disagreement with your investigation response. The incorrect items listed still appear on my credit report, even after your investigation. I would like these items IMMEDIATELY REMOVED and for good cause. These inaccuracies are highly injurious to my credit rating. The following are inconsistent and incorrect and have been deleted by XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  # XXXX This is the information that is inaccurate on each account listed above. Open Date Closed Date Date of Last Activity High Balance * Please delete all non-account holding inquiries that are over 30 days old. * Please add a Promotional Suppression to my credit report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. Please provide The names and business addresses of each individual with whom you verified the information above, so that I may follow up. The date you contacted the individual furnishers of information. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address, or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT 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 explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC.
State: NC

Complaint narrative:
XXXX - Closing on my mortgage with Arvest Bank account XXXX XXXX - Monthly mortgage payment came out of my checking account via the automatic withdraw that had been set up XXXX - called Arvest bank and agent advised i will be reimbursed via my checking account the monthly mortgage payment that came out by mistake. Provided my checking account and routing number for reimbursement Week of XXXX called 2x and told i will be getting reimbursement soon XXXX - called again as no reimbursement received. I was told a different story that my reimbursement for my mortgage payment will be with my escrow reimbursement and check will be mailed next day. I was told a total of {$3500.00} will be reimbursed for escrow and payment that came out incorrectly. I provided my new address as the company was planning on sending the reimbursement to the address of the home i sold. 
XXXX - No reimbursement received. On hold with the bank again for 1 hr and told my issue has been escalated. Asked to speak to a manager and told that i could not be transferred to a manager and that a manager will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: OH

Complaint narrative:
I received transunion letter in the mail which stated for fourth time to contact the banks which i have 9 times please read the complaint carefully below ************PLEASE READ********* I HAVE CONTACTED TRANSUNION 9 TIMES OVER THIS ISSUE AND I KEEP GETTING THE SAME RESPONSE WHICH IS TO CONTACT THE BANKS WHICH I HAVE 9 TIMES AND ALL 9 TIMES THE BANKS HAVE CONTACTED TRANUNION ON 9 OCCASIONS AND ASKED FOR THE INQUIRIES TO TO BE REMOVED AND FAXED THE BANKS AND SENT ME LETTERS SHOWING THAT THEY HAVE REQUESTED THE INQUIRIES REMOVED WHICH I HAVE SENT TO TRANSUION, TRANSUINON IS BREAKING THE LAW BY NOT DISPUTING THESE INQUIRYS. I am asking for {$30000.00} in damages at this point. Federal law states i may dispute anything on my credit report ANYTHING. PLERASE READ THE COMPLAINT BELOW THAT HAS BEEN SENT 9 TIMES : I have contacted TRANSNION by phone on 3 occasions to remove inquiries on my credit report that are either fraudulant or a mistake and transunion refuses to take my complaint so i contacted the banks and was told they would send letters to transunion or electronic communications to transunion to have the inquiries removed. The inquiries remained so i asked the banks to send me letters to have them removed. The banks sent me letters and transunion said for me to fax the letters to them which i did but the inquiries remained.The following inquiries need removed. XXXX XXXX XXXX XX/XX/XXXX 2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX/2022. I HAVE ALREADY CONTACTED ALL THE BANKS THAT HAVE INQUIRED ON MY CREDIT REPORT FOR THE DATES AND NAMES LISTED ABOVE AND THE BANKS HAVE CONTACTED THE BUREAUS INCLUDING TRANSUNION, THE BANKS ALSO SENT ME LETTERS THAT I FAXED TO TRANSUNION SHOWING THE INQUIRIES NEED REMOVED. Transunion is breaking the law by not removing the fraudulant or mistaken inquiries. REMOVE THE FAKE INQUIRIES- YOU ALREADY HAVE PROOF THEY WERE SUPPOSED BE REMOVED- YOU ARE CAUSING ME DAMAGES.

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 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. XXXX REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX ADDRESSES, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS INFORMATION DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. XXXX REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. CONVERGENT OUTSOURCING XXXX, XXXX XXXX XXXX, XX/XX/18, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ADDRESSES, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. INQUIRIES XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX CREDIT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. THIS INFORMATION DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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 CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681.

THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-05 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: NJ

Complaint narrative:
Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. 
Any further contact regarding LATE PAYMENTS by you, your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. 
I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. 
Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. 
This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. 
I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. 
Task that you respect my consumer rights.

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