vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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 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  Account Number XXXX XXXX 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 2023-01-29 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: 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  Account number 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 Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX 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 2023-01-29 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I got into a retail installment contract with Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have been reporting 60 days, 90 days, 120 days late on my consumer report. My payments are due every month on the XXXX. If I dont make a payment by the XXXX on the XXXX they are reporting 60 days late on my report. I requested that they update these inaccuracies in XXXX but nothing 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 2023-01-29 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: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-01-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-01-29 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: MI

Complaint narrative:
In accordance with the fair credit reporting ( XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened up a checking account with TD Bank on XX/XX/2022. This Was in response to a mailer I received. the promotional code would award a {$400.00} bonus if specific criteria were met. I followed the instructions, opened the account through the correct website, entered the promotional code and completed the required activities. I have waited the required length of time to receive the promotion and my account is still open. 
TD Bank is saying that I was not eligible because I never received a promotional flyer. The representative I spoke to who was a supervisor said that they searched my name and social security number and address to see if a promotional flyer was ever sent and they could not find XXXX. I'm not sure how they think they could have had my social security number prior to me opening the account so that in and of itself is confusing. 
I had also inquired about the length of time it would take to receive the bonus previously and there was no mention that I was not eligible so I feel this is a deceptive act to trick people into opening up bank accounts and hold their funds while we wait to see if we get our bonus. 
Note that I deposited enough funds to meet an average daily balance to avoid the normal $ XXXX monthly fee they usually charge. The supervisor I spoke to you on XX/XX/XXXX agreed to reach out to their promotions team and ask them to search my last name which I sometimes hyphenate. I opened the account with just XXXX last name not XXXX. She told me to allow up to XXXX weeks for a response they told me usually there's a response after a week and a half. 
She also told me that I may need to supply them with a photo or walk into my local branch and provide the actual flyer that was received back in XXXX. That was over XXXX  months ago so of course I don't have that flyer. I did take a couple screenshots but sadly they don't show my name as the addressee. I also asked her if she could look to see if I entered the code that was provided on the mailer and she said her system does not show whether or not a code was entered. There seem to be a lot of holes and gaps since ( number XXXX ) she's saying they looked me up by my social security number to see if a flyer was ever sent and I never did business with TD Bank in the past so there's no way they would have had my social security number ; ( number XXXX ) how would anyone ever expect to receive their friends if they didn't retain the original mailer? That's why I think what they're doing is predatory and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I shouldn't have any negative items on my credit report please remove all negative items thank you theirs no Information to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with trasnunion.

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 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Based on the agreement with lawyers - I was asked to pay XXXX by a certain date- which I did and noticed there is still an outstanding balance no closed or settled. 

The company breached their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
my account suddenly said overdraft XXXX XXXX that I wasnt able to use 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 2023-01-29 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I got into a retail installment contract with XXXX XXXX XX/XX/XXXX & every since XX/XX/XXXX they have been reporting XXXX XXXX XXXX XXXX XXXX days late on my consumer report. My payments are due every month on the XXXX. If I dont make a payment by the XXXX on the XXXX they are reporting 60 days late on my report. I requested that they update these inaccuracies in XXXX but nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
About XX/XX/XXXX I received an e-mail from XXXX XXXX asking if this new card was mine. I opened the app and looked at report and noticed a new card had been opened in my name. I called the company listed with the card and told them I didn't open this account. They asked for my address and I gave them my address and it wasn't the correct one that was listed with the account. I gave them my previous address and that was not the correct one either. I have lived at my current address since XX/XX/XXXX. my previous address I had moved in on XX/XX/XXXX. The company I reported this to sent me a letter and asked for me to fill out a report for fraud / identity theft and send it back to them so they can determine the case. I did not file for a credit card with this company Indigo Mastercard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2011 I was trying to work with Wells Fargo to get a loan modification. I did what they told me to do and then in XX/XX/2011 they said they couldn't get in touch with me although I had the same address and phone # for over 15 years. They did not return calls to me or reply to my correspondence. I found out my house was in foreclosure and then it was sold for {$39000.00}.

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 2023-01-29 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:
Paid 3 items and they are till on report. XXXX, XXXX and XXXX XXXX XXXX XXXX  just updated the account The other 2 are paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION

Complaint narrative:
Hi, In XXXX and XXXX of XXXX, and XXXX, XXXX and XXXX of XXXX, I took advantage of two months of forbearance provided by DIscover student loans and Sallie Mae. These payments have been marked as late or missing payments and have significantly impacted my credit and credit history. I would like to have these late payments removed from my credit report.

Secondly, I have 2 loans with discover student loans and 1 loan with Sallie Mae with interest rates between 10 and 12 percent. Because of the hit on my credit from the forbearance mentioned above, I have not been able to refinance and consolidate these loans for a better interest payment. I am writing to see what options are available for consolidation and reduction of my monthly payments and interest rates. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Because I used a credit card, which would be considered my social security card in this case. This account should not have been added to my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
In XXXX.i had loans and called to be in school deferment or forbearance. I was at XXXX XXXX XXXX in XXXX  and was banned from my classes due to a loan in default. they garnished my tax return the following spring for XXXX including a XXXX fee for reselling it. there was a subsidized and unsubsidized and only one got sent to deferment but they missed the other which was not my fault. I should never have lost my XXXX $ tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have received XXXX unknown inquiries on my credit report that I did not solicit. First one was on XX/XX/XXXX from XXXX XXXX correspondence the next inquiry was today on XX/XX/XXXX from XXXX. I called Experian on XX/XX/XXXX and reported the incident. I also placed a fraud alert on my credit report. And I still have yet the second unknown inquiry.

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 2023-01-29 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:
Paid 3 items and they are till on report. XXXX, XXXX and XXXX  XXXX XXXX XXXX just updated the account The other 2 are paid

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 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I want to report regarding an business account with CITI BANK. I closed the account last 2014 but before the account was closed there was a wire transfer. I have a invoice that a transfer was given to my account. I called customer service couple of times and I filed a report with them. They said they no longer have information about that account and they told me to go to the branch to verify it. I went to the branch but I was told it might be unclaimed money. I don't know my rights about this problem and that is why I am reporting this to CFPB

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 2023-01-29 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
So, I financed my mortgage with your company which means there should be no late payments reported on my consumer credit report, all charges are within the amount I originally financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have a Bank of America XXXX credit card. I have been making the minimum payments for a little while now, and the balance isn't really going down at all, so I decided to increase my monthly payment to something more substantial. I went to their website XXXX XXXX XXXX XXXX XXXX but the only options are A : Minimum payment due, or B : Entire balance. 

On XX/XX/2023, I spent more than an hour on support chat with a company representative to try to solve it. The representative insisted that there was a way to do it. We removed my existing autopay and tried to set it up again XXXX different times, but there still was no option to pay an arbitrary amount. My issue got escalated to someone from the XXXX XXXX XXXX XXXX XXXX and I had a call with her XX/XX/2023 ( XXXX XXXX ) and she walked me through the process twice while she also did it with her own card, and came to the same conclusion, that there is no way to schedule payments that are MORE than the minimum amount due, unless it is for the ENTIRE amount. She explained to me that they USED to have that ability, but it was presumably removed. 

I'm not sure if this is illegal, but it sure seems like it should be. It very much seems like their intention is to keep people making interest-only payments on their card, so they can keep them in a cycle of debt for as long as possible. 

My issue has not been resolved, and the suggestion from the XXXX XXXX was " Just schedule them manually ''

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 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
So, I sent you guys a letter about XXXX weeks ago and still haven't heard anything back. You guys are reporting inaccurate information to my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I sent a letter dated XX/XX/2023 asking Toyota Motor Credit to Remove an inaccurate item from my credit report. They didn't respond and therefore it needs to be removed. It is severely damaging my financial life and making it difficult for me to acquire credit.

Company response to consumer: Closed with explanation