vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This Westlake bank loan is paid off. Please correct the balance and close the account.

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 2023-03-28 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: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I checked my XXXX  XXXX  account and I have a debt collection from XXXX  XXXX. I have not had an account in my name for them in years and as far as I know I do not owe them any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Hello, This is the second complaint I have opened. 

Shortly after my first complaint was closed, with an unsatisfactory resolution ( XXXX ) Goldman Sachs reopened a credit line without my permission. The account was closed in XXXX of last year and the company is now incorrectly reporting the account as open. 

Goldman Sachs is now engaging in malicious, and predatory practices against me in its servicing of debt that it previously stated, *on a recorded line* was resolved and that the account was closed Im asking for help from the CFPB to investigate this matter and bring a resolution.

Goldman Sachs is currently under investigation for it practices in its credit card business, beginning in mid XXXX and that investigation has now expanded in XXXX. 

I believe my case to be solid proof of the mishandling of a credit card account and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
There is a charge on my account that I disputed. The charge was for XXXX XXXX courthouse. They advised me how to fill out a warrant in debt but they advised me incorrectly. The judge dismissed the case due to the paperwork not being filled in correctly. I found out later that the clerks office was not supposed to assist people due to problems like this occurring. I requested a refund and they advised me that they were not able to process refunds that they were not capable. I then advised them that I would be filing a dispute on my credit card. I called ollo card and explained all this to them. The opened a case. Several weeks later I receive a letter in the mail requesting more information and the letter was not a pre filled question and answer form. It wanted me to ask the questions to myself l and answer them. It was vague and I called to complain. I spoke with a supervisor his id number is # XXXX. He advised me that it was NOT many that I fill the dispute out that it was just in case the merchant responded. He advised me that the case has been opened and that they did not respond as of date. I thanked him and requested to complain about this letter that I received.several days later I received yet another letter that this case has been dismissed. I called up today to file a complaint about this entire mess the case number for the original charge is XXXX. They now refuse to reopen the case without a letter from me even though it was dismissed incorrectly

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 2023-03-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a Victim of Identity Fraud. I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX XXXX and XXXX ) ran unauthorized credit inquiries on me on, XX/XX/XXXX and on XX/XX/XXXX. 
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as violation of my rights to privacy. Ive reported this to the XXXX Police Department. Please contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) and investigate such occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2023 I made a {$50.00} payment on XXXX using my Citi credit card. XXXX charged a {$1.00} fee which was clearly disclosed when I made the transaction. A few days later I was charged a {$10.00} " Cash Advance Fee '' from Citi for this transaction. Citi claims this is disclosed in their credit card agreement -- which is multiple pages of fine print and impossible to read let alone comprehend. {$10.00} for a {$50.00} payment is excessive and is not clearly disclosed. This appears to be a widespread pattern of practice that could very well be deceptive or abusive under the laws enforced by the CFPB. I ask that you look at Citi 's practice more broadly as XXXX is widely used and I am certainly not the only consumer to be in this situation. I've been using my credit card on XXXX because I did not want XXXX having access to my bank account given the various data/security breaches with private financial information.

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 2023-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I feel like because the interest rates are sky high now, as a normal class hard working family its unfair how the banks are taking advantage of us with the interest fees and all. 
My HELOC l, because its not on a fixed rate plan it fluctuates according to the federal interest rate. My payments have doubled and I am not even paying the capital. 
So banks are making money while we are loosing our homes. 
How fair is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: WA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: AL

Complaint narrative:
I owe this loan company named OneMain Financial XXXX dollars but here recently every time I make payment 99 % is going to interest and it's supposed to be a 35 % interest loan. The payment is XXXX a month. They say it's because My payments haven't been spaced exactly less than 30 days apart so if I dont pay in exactly 30 days or less every month they send almost all of the paymentto interest. I can understand a little bit of a hike in interest but not going from 35 % to 99 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-28 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: TX

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights. Under 15 UCS1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States : report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage and should be excluded per section 2 of Rules of Construction. Equifax is reporting several late payments on mutiple accounts. 15 USC1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Equifax written instructions to report anything to my consumer report, let alone late payments or utilization. There is nothing about the reporting of theses late payments that is accurate and my privacy has been violated due to Equifax reporting these late payments and utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Account Number XXXX ( needs to be removed ) XXXX U.S. Code 1692e - False or misleading representations XXXX Account Number XXXX ( showing different account number not accurate ) XXXX5 U.S. Code 1692e - False or misleading representations XXXX XXXX ( identity theft ) Account Number XXXX ( please removed ) 15 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( 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 2023-03-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXXhas violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: SC

Complaint narrative:
XXXX This card service have been charging me XXXX cents to check my card balance by phone and XXXX every time I make a transaction but dont have the funds or a company request funds that I dont have. The call it a nonpayment fee. Even if my account isnt being overdrawn. This month alone I have 18 denial fees. For transaction like XXXX or XXXX trying to receive payment. This seems very unfair and unethical. It also seem like they are taking money from my account. My bank statement doesnt match what they tell me by phone like transactions dates. They told me that my child support payment was deposited on XX/XX/2023 but online bank statements says XX/XX/2023 and I have non payment pos charges from XXXX on XX/XX/2023. None of this makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

from ; XXXX XXXX XXXX ... thank youSomeone needs to hold them accountable for this ALL THESE ACCOUNT NEED TO BR REMOVED IMMEDIATELY WITH IN 14 TO 30 DAYS MAX

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 2023-03-28 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws.

from ; tarra renae mcelmore ... thank
youSomeone needs to hold them accountable for this ALL THESE ACCOUNT NEED TO BR REMOVED IMMEDIATELY WITH IN 14 TO 30 DAYS MAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: VA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I applied for the Florida mortgage assistance fund ( HAF ) and was approved. The letter is attached. It is under the name of XXXX XXXX as he is the resident living in the home. I am the authorized representative. Since XXXX the state of Florida is saying they have sent monthly mortgage payments that Flagstar claims they arent receiving. I have been told by the state that the payments are being sent as one large check and the lender has to credit individual accounts. Despite relaying this to Flagstar, I am being told they have not received any payments. I am being assessed a late fee each month and stuck in a battle between the lender and the state of Florida. Yesterday, I received a notice to escalate. It seems as if the lender is using this to collect late fees. I am aware that the state is sending payments as I know other program participants and have other payments through the program that are being 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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Unable to pull credit report from any website from Equifax credit bureau, unable to access credit file. Bureau responds to all inquiries with code " NH '' indicating that a credit file does not exist.

Bureau took no action dispute calling Customer Service as instructed via their error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NJ

Complaint narrative:
IN accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681. 
Account Name.. XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name.. XXXX XXXX XXXX. Account # XXXX Account Name... XXXX XXXX. Account # XXXX 
Account Name.. XXXX XXXX XXXX.. 
15 u.s.c. 1681 section 602 A. State i have the right to privacy..

15 u.s.c. 1681 section 604 A. section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 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 seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-03-28 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:
IN accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681. 
Account Name.. XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name.. XXXX XXXX XXXX Account # XXXX Account Name..XXXX XXXX XXXX. Account # XXXX 
Account Name.. XXXX XXXX XXXX 
15 u.s.c. 1681 section 602 A. State i have the right to privacy..

15 u.s.c. 1681 section 604 A. section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 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 seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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