vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: IL

Complaint narrative:
On XX/XX/2022 someone fraudulently used my personal information to apply for multiple accounts with the same bank XXXX XXXX. I did not consent or authorize these inquiries to my personal credit. I am asking for documentation that I applied for these accounts and If no proof can be provided I need these fraudulent inquiries removed immediately from my TransUnion credit report so that I am not denied future credit. I have 4 fraudulent inquiries on the same date from The same financial institution XXXXXXXX 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 2022-12-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. The following accounts reflect on my Equifax credit report as account status derogatory and payment status wage earner plan, which is not accurate. 

DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I refinanced my federal student loans with XXXX, who sent my loans to the processor, Mohela. In addition to making my monthly required payments, I have started making additional payments each month in order to attempt to pay off my exorbitant student loans ( which started at just over {$240000.00} ). Until last week, I had been able to apply my additional payments to principal. The lender is now trying to make it harder to pay off my student loan by rejecting my payment instructions and stating that all payments need to go to interest first, even discretionary extra payments. These sorts of unfair practices to make it more difficult to pay off student loans are the exact types of practices the CFPB has come out against : https : //www.consumerfinance.gov/about-us/blog/you-have-right-pay-your-student-loan-fast-you-can-without-penalty/. I have contacted my lender, but they have refused to change their new policy and honor my payment instructions. Below is the email I received from Mohela : Dear XXXX Member, We are writing to inform you of an update related to your payment instructions at MOHELA. Per your Loan Agreement, payments will be applied to accrued interest to the date the payment is received prior to your payment being applied to principal. Your payment instructions are not consistent with this requirement ; therefore, we will need to amend those instructions going forward. Effective immediately, payments will be applied to satisfy accrued interest prior to being applied to principal. 

For additional information or any questions, please contact a Specialty Servicing Specialist at 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 2022-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I requested a Macy 's Credit card on XX/XX/22 at the Macy 's located at XXXX XXXX XXXX XXXX, PA XXXX. The sales woman asked for my information and did not ask to pull my credit but she did it anyways without permission when she told me to enter my social on the electronic pin pad and to enter my salary and then asked me to sign on the pin pad which I used my beneficiary signature even though I was forced to sign electronically instead of being allowed to do business using physical paperwork. I was then told that I was denied for the Credit card and that I would receive something in the mail in a few days about the denial infront everyone present at check out. I was humiliated. On XX/XX/22 I called Macys XXXX XXXX XXXX and spoke to XXXX who informed me that I was denied for not having enough credit history and then put XXXX her supervisor on the phone who also stated I got denied due to not having enough credit. I informed them on the TILA and also Title 15 1611and 12 CFR Part 1002 Regulation B and they said it was the automated system. On XX/XX/22 I called the Macy 's reconsideration line to speak to a live person and get them to review the request. I spoke on the reconsideration line asking that my request be reconsidered since I was denied by the automated system. He said of course and took my information and then told me that no I could not be considered eligible due to me not having enough credit and that the Macys credit card is not for beginners and that I needed to have credit history before applying. I informed of the laws in this consumer transaction and I was told that they do not apply here and are not backed by anything. In this consumer credit transaction my credit was pulled without disclosure, I had no disclosure at all, this faults and misleading denial of my own credit because I wanted to access a portion of my unlimited credit .I was discriminated against by them using a credit report against me and without my permission stating misleading information when I'm credit worthy and I have unlimited credit XXXX am aware that they've taken my Social Security number and electronic signature and in doing so have already been paid and they still denied me and discriminated against 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 explanation
Consumer complaint received 2022-12-08 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: Barton Creek Auto Credit  LLC
State: TX

Complaint narrative:
I have contacted XXXX in writing TWELVE TIMES regarding an Incorrect Account they are reporting on my Credit file. I mailed them a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request a re-investigation for an account they are reporting as Account # XXXX with a creditor named XXXX. They have NEVER responded to me or mailed me any results of their investigation and nothing has changed on my credit report. The information they are reporting is WRONG and they refuse to correct it. They are not even providing me with the contact information for this creditor on my credit report and I have no way to contact the company they allege I owe. That is illegal and a very clear violation of my rights. This debt obviously is not able to be verified and I am DEMANDING that XXXX immediately DELETE Account # XXXX with XXXX from my credit file 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 2022-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2022, I noticed that Capital One Credit Card had XXXX debited my checking account at XXXX XXXX XXXX in the amount of {$1400.00}. I contacted XXXX and they were able to refund the {$1400.00} into my checking account and stop payment to Capital One. I thought that this was going to be an isolated incident. 

On XX/XX/2022, I noticed that Capital One Credit Card had XXXX debited my checking account at XXXX XXXX XXXX again. This time the amount was {$66.00}. XXXX XXXX XXXX again processed a stop payment and did an investigation of why this continued to happen. The {$66.00} was returned to me within XXXX weeks or so. XXXX 's investigation showed that another XXXX XXXX XXXX member with a very similar account number was likely making over-the-phone or some other kind of XXXX time payment and giving the wrong account number. XXXX also initiated a block of some sort to keep this from happening again. 

On XX/XX/2022, I noticed a pending debit transaction via ACH of {$110.00} from Capital One Credit Card in my XXXX XXXX XXXX checking account. I called XXXX. They were able to issue a stop payment for this XXXX transaction. The representative was very helpful at XXXX in listening to my complaints and offering suggestions. 

I asked for the tracer number for XXXX of the transactions hoping to call Capital One and request that they look into these fraudulent ( although perhaps accidental ) transactions. XXXX representatives at Capital One Credit Card told me that since I wasn't a customer, there was nothing that they could do for me. Both of the representatives were rude and didn't seem to care that Capital One was periodically initiating fraudulent transactions in my account. 

Now I am asking for your help in resolving this matter. XXXX XXXX has been great, Capital One not so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made 4 transactions at XXXX XXXX XXXX XXXX, on XX/XX/XXXX for XXXX mmount of {$790.00} each transaction On that time the merchant said there was a connection problem with the machine of the payment and my bank, so the transactions were cancelled. I checked my online banking and I didnt see any charge or pending transaction. So the purchase were cancelled. 
After 4 months the same merchant charged my account for the same amounts without my permission, and having the card locked. 
I reported this to my bank and they denied the case without any letter or information about the case. 
I called several times to know more about this and request to reopen, but on the 3 calls the call was disconnected, and the other 3 they said " we couldnt find your account '' something is XXXX wihout any sense. 
I need to have this fixed and clarified, I have my account overdrwan because of this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
Approximately in 2010 received a new cellular phone from XXXX XXXX. The phone did not work at my new residence. I took the phone back to the XXXX store where it was purchased and an employee told me that I could not get out of the contract. I spoke with the manager and he said that he would take care of it. I turned in the phone and thought my obligations with XXXX were done. About a year later I received a collection notice saying that I owed the amount for the phone plus service for additional months. I have received multiple calls over the past 12 years saying that a new company is trying to collect a debt. I have asked them to stop calling. 
I believe this to be fraud or a manager of XXXX did not do what they said they would do. 
The most recent call was from CBE group XXXX. 
I would like this harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: AL

Complaint narrative:
I disputed an inaccurate credit card on my report for all three bureaus. I disputed the XXXX XXXX credit card for {$7400.00} on my XXXX, XXXX, and Equifax. I disputed the XXXX Bank for {$13000.00} on my Equifax which was removed from XXXX and XXXX. These accounts were reinserted without proper notice. The FCRA states that my information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. I successfully disputed and had a delinquent account on my credit report removed. 

The XXXX account in the amount of {$13000.00} is closed, but still reporting. This account was disputed and removed from all three bureaus. It was only reinserted back on my Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I disputed an inaccurate credit card on my report for all three bureaus. I disputed the XXXX XXXX credit card for {$7400.00} on my XXXX, Experian, and XXXX. I disputed the XXXX XXXX for {$13000.00} on my XXXX which was removed from XXXX and Experian. These accounts were reinserted without proper notice. The FCRA states that my information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. I successfully disputed and had a delinquent account on my credit report removed. 

The XXXX account in the amount of {$13000.00} is closed, but still reporting. This account was disputed and removed from all three bureaus. It was only reinserted back on my 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 2022-12-08 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-08 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Instarem PTE Limited
State: FL

Complaint narrative:
I sent 2 successful transactions via Instarem those went through. So I went ahead and did one more transfer. The company received money from my credit card company XXXX and Instarem posted the status as paid to the receivers account 2vdays ago, but the money is not in the receivers account. 

I looked up customer service number of InstaRem and called but a busy tone and eventually after 2 rings call gets dropped. 

When I reply to their email I get an automated response stating that I need to chat with a customer service personnel that too is automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I attended the XXXXXXXX XXXX XXXX XXXX XXXX. During the year I attended I was sick and could not make it to classes. So I wrote to the dean saying i was sick and gave as much doctor proof as I could. I was suffering from XXXX, problems with XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I withdrew from classes. 
I had gone to XXXX XXXX  using the XXXX site and Maryland grants, loans and money from my job, so I made sure i paid all the money I owed. My account balance was XXXX half a year later I got a letter saying you owe around {$1600.00} including late fee. I called and asked them what this was about, they told me I failed to pay my student bills. To which I replied i don't even go to XXXX XXXX XXXX anymore. They explained how i was back charged certain amounts of money after i had stopped attending and I failed to pay. I asked why my first notification was a late fee, and why was i back charged when I owe nothing. They failed to give an answer, I called again 3 different times. I was told by the financial aid office to not call again, that they will call me on removing the late fee. 
I got no call and was served with a letter from debt collection from State of Maryland, XXXX XXXX and XXXX with the amount increased to XXXX. If I could not afford XXXX, what makes them think adding XXXX unfair fees to the amount will make it payable. 
I told the agency in letter to not contact me and investigate the debt. I called the college again to get a response that was tantamount to buzz off. 
The agency then proceeded to keep sending letter and garnish my state tax refund. which put me in a bad spot multiple time.. because pandemic and I work.. a minimum wage job. This also put me back on my hospital bills.. which created more years of debt I have been slowly paying off.. This ruined my credit record, and is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NV

Complaint narrative:
While looking at my report I found an Old XXXX XXXX XXXXXXXX Account that does not belong to me. 
I Confirmed with XXXX XXXX XXXXXXXX that account does not exist. 
I believe I am a victim of XXXX. 
I have asked XXXX and Transunion and all the credit reporting agencies to please remove. of all the credit reporting agencies. XXXX already removed it. 
Please remove this 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 non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
MCM is the company that has been harassing me and my family. They've called my sister on numerous occasions. They've called my mother. I've called them and told them to cease and desist... It appears as if they resubmitted my debt as if it were new this year, and they started contacting me and my family again. I again sent a cease and desist phone call. And now my sister is just received yet another phone call.. has been going on for 3 years at least probably more like five. 

Like I said they have just contacted my sister for the fourth time in total. I had been in contact with them previously. I received the letter that they sold my debt.. and then I received another letter shortly thereafter that they've purchased my debt. Or at least as far as I can tell.. credit karma is not very descriptive so I had to suss everything out myself. 

Midland credit Management is who I'm referring to. 

The photo I provided as a screenshot of my sister 's phone... not really very helpful whatsoever but that's the number they contacted her from. 

According to her they asked for me. She asked what it was regarding, they said nothing. She asked if it was medical. They said they couldn't say and then she asked if it was financial and they alluded to her that It might be and " it is in my best interest to speak to them '' they insisted that they speak to me.. and literally asked my sister to find me and give me the phone to speak to them while she was at work. 

We no longer even live in the same house. We only share our last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: LEXISNEXIS
State: MI

Complaint narrative:
I received a notice in the mail today regarding my previous complaint being closed, Complaint # XXXX. 

I have a bankruptcy report on my credit report, I've reached out to XXXX regarding this incorrect information. They informed me that LEXISNEXIS is the one that sends them this and I would need to reach out to them regarding thing incorrect information. 

I've reached out on multiple occasions and they have yet to send me any response regarding this matter.

Company response to consumer: Closed with explanation