vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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: DE

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 this/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/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
so many problems with Ally ... where do I begin? 

( Note that there are numerous problems with Ally, but the CFPB complaint form only allowed me to choose one account and one problem ) 1. Scam : a. I received a phone call ( allegedly from XXXX at Ally Executive Customer Relations ) and email telling me to call a phone number that I don't know ( XXXX ). I XXXX called that number and left a message - then later I searched for the number online and it's high risk of spam. On XX/XX/XXXX I messaged Ally through their website " I received a phone call from a number caller ID calls " SPAM RISK '' asking me to contact Ally. Also an email... Please communicate only via this online Secure Message system, so that I can be sure it isn't a scam... And if you need to tell me something ... what do you need to tell me? '' I have never heard back from Ally - not in response to the voicemail I left, and no response to the message I sent through their website. b. So was it Ally who called / emailed, or not? c. And if so - what does Ally want? Per my message - Ally should communicate ONLY through their website so I know it's really them. d. And if it wasn't Ally who called & emailed - how did the scammer get my information? 
2. MAJOR problems with debit card : a. They cancelled my debit card without telling me- this could have caused a very embarrassing or even legal problem if I were unable to pay for my meal. I have a new debit card now so this is no longer an issue for me- but the fact that they will cancel a debit card without informing the customer IS an issue. 
b. They allegedly sent me two debit cards which I did not receive. NOTHING should be mailed to my street address EVER. That's why I have a separate MAILING address. Even though thecards have been cancelled, there are still questions : What address did they send them to? And why didn't I receive them? As I have messaged Ally, I was a victim of identity theft- do they have another address for me? Did somebody hack my info? 
c. As I messaged Ally on XX/XX/XXXX through their web sitebut they have ignored my message - when I FINALLY received my debit card, I was unable to use the toll-free phone number on the card to activate it, as it would bring me to an endless loop of voice messages. ( I finally was able to activate it using their phone number for out-of-country phone calls. 
3. Retirement account : a. They have yet to answer my question about what KIND of retirement accountwas my XXXX account, and they refuse to answer - onlystating that it is a retirement account ( duh ) but not telling me what kind ( IRA? Roth IRA? Other? ) 4. Checks a. I ordered ten checks- and received 20 checks with the wrong starting number. So far this has not caused problems, but it's yet another example of their incompetence.

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 2022-10-31 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:
See letters sent, Please update my personal info, see the account reporting inaccuracies and delete the unauthorized inquiries listed

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 2022-10-31 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: DE

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 this/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/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 2022-10-31 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: DE

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 this/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/2XXXX 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 2022-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Onemain financial broke 3 laws and i need to revoke my signature and this contract needs to be terminated immediately. 

I have been harassed everyday by onemain financial. It is illegal to harass a consumer!!!!! 
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. i have much proof of them harassing me!!!

Its against the law for creditors to charge consumers with late payments! ' According to 15 usc 1681a, consumer reports are not allowed to include transactions!!! 
This is against the law!!! 

Lastly My contract did not include the sum of all charges 15 U.S. Code 1605 indicates that the finance charge has to be included with the sum of all charges. That did not happen. 

This contract needs to be terminated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: MA

Complaint narrative:
I made a payment to FedLoans on XX/XX/XXXX in the amount of {$12000.00} which paid off 5 out of the 8 loans I had. The active loans left were transferred over to XXXX. I requested a refund on the voluntary payment I made in XX/XX/XXXX as I qualified for a refund due to covid. I requested the refund from FedLoans on XX/XX/XXXX as I was told by my current servicer ( XXXX ) that since that payment was made prior to my loans being transferred that FedLoan would handle the loan. I confirmed the request was in and received notice dated XX/XX/XXXX that the loan refund was in process and it would take 2 months to receive it ( I have attached the notice for reference ). It got close to the 2 month mark and FedLoan eventually told me there was no loan refund request in their system. I was told I had to speak with my current servicer to get the refund/ I went through a circle the week of XX/XX/XXXX because I kept calling XXXX who told me they couldn't refund it and then call FedLoans for them to say they can request the refund. I ultimately was able to get a refund request put into XXXX. I previously submitted a CFPB complaint about the inaccuracies and discrepancies with refund timelines on XX/XX/XXXX where FedLoan then responded on XX/XX/XXXX ( after I found out that my loan request was nowhere in their system ). They said they transferred my " paid in full '' accounts to XXXX and that they have the refund request I previously made. I spoke with XXXX on XX/XX/XXXX and they only had the request I remade on XX/XX/XXXX in their system. Essentially I waited 2 months assuming FedLoan was processing my refund to only be told that nothing was done and have to start from square one with XXXX. It seems as though both providers can me inaccurate information and it has resulted in a larger delay in receiving my refund. This is unacceptable as now XXXX  refuses to give a timeline on when to expect my refund and some of the representative who had said it will take a minimum of 150 days from the day I requested the refund from them and not when I requested it from FedLoans which I was told would transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2022, I received a call from who I thought was XXXX fraud unit. Telling me someone hacked in my XXXX account to buy a I XXXX, so he went through everything and it seemed legit, I went to this ( Looked like XXXX home page, I printedout his information from XXXX. Not knowing I was agreeing for him to remotely having access to my account. What I was seeing on the screen was not what was going on. He was a hacker that got to my bank information and bought XXXX XXXX XXXX  gift cards for less then XXXX each. I did not authorize these charges, I am a victim of identity theft and need help to get my money back. All of my savings XXXX gone and my bank thinks I authorize the amount, this has been a nightmareand Ineed help. And spread the Word to protect innocent peoplewho might be a victim of hackers. I did not authorize these changes but they made it look like I did. I need help getting my money back please help me. I called my bank immediately to freeze my account but all 7 of those gift cards went through. Why? It takes 2 days for me paying a bill and it clears. I need help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
I am {$190000.00} in debt with Sallie Mae for my XXXX degree from a public university. I was never told that my loans could never be consolidated, and that the company would be expecting over {$2000.00} a month from me for the combined monthly payments of all of my loans. Eventually, after forbearance for the maximum amount of time and a few months of missed payments, I was able to negotiate down the monthly payment to {$1000.00}. I have been paying this since XXXX of this year, with occasional help from my cosigner. This amount is simply unsustainable for me, as well as for my XXXX year old retired grandmother who never went to college and would have never cosigned my loans for me if she knew it would cause so much stress and financial hardship after I graduated. The company has regularly taken money from my bank account without my consent, causing me to miss rent and car payments. I do not know what to do, I can not keep paying this large amount every month and neither can my cosigner, who is on a retirement income. Due to the pandemic, I had to cancel my plans to move for employment ; and now, due to these high monthly payments, I am unable to save any money to better my life. My landlords are raising my rent and I already barely eat or buy necessities, and I feel utterly hopeless about my financial situation as long as these high monthly payments are being demanded of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account has violated my rights. 15 usc 1681 section 602 A. states I have the right to privacy. 15 usc1681 section 604 A section 2 : It also states consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: MD

Complaint narrative:
I sent several letters out to XXXX, XXXX, and Transunion beginning XX/XX/2022. I have been working on my credit, and have not received any responses from any of these companies. 

I just found out that if the credit agencies do not respond in 30-40 days, it is unlawful.

According to 15 Usc 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-31 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is the previous complaint number XXXX. 
This is still showing on my credit report as LVNV as charge off and outstanding as if it was not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: OR

Complaint narrative:
THE COMPANY FAILED TO ADDRESS THE ISSUE AS STATED IN MY COMPLAINT. 

THIS IS THE THE FULL TEXT OF MY COMPLAINT : I have had a credit score of over 815 for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every two weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. Transition decreased my score by XXXX points and when I talked with a Customer service rep. he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate 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 non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 Capital One has incorrect information on my credit report.. credit card is paid off in full.. {$500.00} limit, I have contact them and they will not update this info on my credit report, they will not respond to my mail, or phone calls!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: 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. 


XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, AFFIRM XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX, XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
XXXX I called CashNetUSA.com at least 4 times to get information about the program, I also asked for the APR amount on each of the times of the calls. Each representative I spoke to never stated that the rate is 325 % until I spoke with a representative on XX/XX/XXXX. 
On each phone call, they confirmed the rate will not be high rate such as a payday loan company that charges 35 %, and that there will not be any hidden fees. 
They also kept telling me that I would have to sign up online before they can give me any other information due to they could not see anything on their end. 
I have been scammed into signing up for a loan with a 325 % rate. 
I would not have signed up to be paying on a loan from XX/XX/XXXX until XX/XX/XXXX this is unbelievable. When asked a few previous reps why it seems as if the payments are not being applied to the account, they did not give me any details or advise me on anything that can help me. 
When I spoke to the company again today, I was told I needed to read my contract, which is something I was never guided, never given, I only received guidance on submitting how much I want to borrow and how will I be making my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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. 


XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX, XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief