vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc.
State: NV

Complaint narrative:
I had a credit card account with XXXX which went into collection. The collection was assigned to XXXX XXXX XXXX XXXX ( XXXX ) to collect on behalf of XXXX the last XXXX digits of the account are XXXX. The amount of the debt was {$4200.00}. I made monthly payments to XXXX from XX/XX/XXXX in the amount of XXXX until XX/XX/XXXX. The total amount paid to XXXX is XXXX. 
XXXX reassigned to account to Client Services to continue with the recovery of the debt. I have paid Client services {$2700.00} at the rate of {$98.00} per month from XX/XX/XXXX until XX/XX/XXXX. The total paid to both collection agencies is {$4200.00}. These funds were sent to XXXX. 

In XX/XX/XXXX I called client services to check on the remaining balance. The told me at the time that the remaining balance was {$1600.00}. They had no records of payments made to XXXX. I was instructed to contact XXXX XXXX XXXX at XXXX to investigate what happened to the payments made to XXXX. XXXX does not appear to be in business any longer. XXXX has no records of payments made before XX/XX/XXXX. I have been paying on this account since XX/XX/XXXX. 

XXXX has been called several times about this and all they will tell me is that there is a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
bank of america slashed 70 % of my VISA card limit stated that a periodic review my my credit tempted them to take the action and even though i immediately paid off all my debt they wanted to make hard inquiries on my credit before making a a decision to reinstate

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings
State: IL

Complaint narrative:
The company " IQ DATA INT'L INC '' as shown on my credit report this debt/ collection is not mine I have already disputed this and was not looking into by XXXX this collection appeared out of no where and has since increased it balance within the last 30 days from XXXX to now XXXX this is predatory and dispute was resolved in 1 days not even taking the time to investigate why and who they are abusing my credit report and no one has started to investigate this matter beyond 1 day I have attached 3 documents 3 different amounts days apart from each other.

Section 623 ( a ) ( 1 ) ( B ) .If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX, MOHELA recalculated my monthly Income Driven Repayment ( IDR ) on the REPAYE plan from {$520.00} to {$600.00}. There was no meaningful change in family status or income. 

I did not request this change, nor was my IDR re-certification due until XX/XX/XXXX. MOHELA did not notify me of this change and could not provide a way to restore my {$520.00} payment amount without waiting to recertify my income. 

MOHELA also continues to display a XXXX XXXX monthly payment on my credit report even though I am in repayment. This impacts my ability to obtain a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX Portfolio Recovery Associates Date Assigned : XX/XX/XXXX Balance : {$460.00} Furnisher of information : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

XXXX XXXXXXXX XXXXXXXX Date Assigned : XX/XX/XXXX Balance : {$660.00} Furnisher of information : XXXX XXXX XXXX XXXX. 

*PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AR

Complaint narrative:
I submitted my PSLF employment certification to Mohela on XX/XX/23. On XX/XX/23 I sent a message asking about my form being listed as processing instead of processed. ( In XXXX I sent the same form and it was processed in 2 weeks. ). They responded with " Please allow up to 30 calendar days for processing to be completed. I still have not received a response. 

On XX/XX/23 I sent another message asking about my pslf form as well as what I was supposed to do as repayment will start soon and I've already met my " quota '' of 120 months and being put back into repayment doesn't really make since. It is XX/XX/23 and I have not yet received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # 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 a account without my written instructions

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 2023-09-08 00:00:00
Product: Credit reporting 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 XXXX XXXXXXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is reporting inaccurate account information despite being provided proper documentation in regard to ID theft. There are two accounts that they refuse to remove or provide proper response to. One account they are reporting has exceeded its 7 year mark but is still on my report.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Zions Debt Holdings
State: PA

Complaint narrative:
On XX/XX/23 I called XXXX to speak to a woman with an accent, she argued with me telling me to write a letter, she didnt want to give me any information, she did indicate it was an alarm company requesting collections. On XX/XX/23, I sent a letter to Zions Debt Holdings, XXXX XXXX XXXX XXXX, XXXX, UT XXXX, indicating this was not my account. I asked them to send me a copy of this alleged account or proof of debt, my letter was returned opened. I disputed with XXXX to correct this problem, they directed me to the FTC to report. Debt on my credit report is {$1300.00}. This is a fraudulent account, I showed XXXX a copy of the returned letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
The apartments are charging me extra months of rent I did not stay at the property I feel like I shouldnt have to pay a debt that is wrong you dont overcharge people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2023 there were XXXX small debits on my bank account that I didnt authorize. The total was for {$490.00}. I called Wells Fargo immediately and started a fraud claim and froze my debit card. They sent me a letter today saying they were authorized debits in which the card was physically used or a digital wallet. It was not and this is prototypical fraud at work. Making small debits over and over till card gets declined. I didnt make XXXX charges to a XXXX in XXXX XXXX while I live in XXXX. Ive XXXX the place and searched for any record concerning this company and cant find any 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 monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX Acct : # XXXX, XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Acct : # XXXX, XXXX XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX, XXXX XXXX XXXX Acct : # XXXX. Personal information : Incorrect name and address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX. 

U.S.C.1681A states I have the right to privacy.

U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX Acct : # XXXX, XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct : # XXXX, XXXX XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX, XXXX XXXX XXXX Acct : # XXXX. Personal information : Incorrect name and address XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX. 

U.S.C.1681A states I have the right to privacy.

U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX  XX/XX/23, I received a text message at XXXX XXXX from Chase asking if I had made purchases at a XXXX and XXXX XXXX in XXXX, TX using my debit card. I had not as I reside in NY, and replied " No '' to the text message. I immediately received a call from someone claiming to be XXXX XXXX from Chase. During this call, he walked me through the fraudulent charges, and then mentioned a wire transfer for {$19000.00} to a XXXX XXXX account. I told him it was not me who initiated this. 
After this call, I received a fraud notification text message from XXXX noting the {$19000.00} wire transfer to a XXXX XXXX account. {$15000.00} was moved from my Chase savings account to my Chase checking account, then a {$19000.00} wire transfer was made to the XXXX XXXX account. I immediately called the Chase fraud department to report the wire transfer. They took all of the information about the previous text message and call and filed a claim. 
On XXXX  XX/XX/23, I went into a Chase branch at XXXX to discuss the fraud with a XXXX XXXX XXXX. I met with XXXX XXXX of the XXXX XXXX XXXX XXXX, XXXX XXXX, NY branch. He helped change both my checking and savings account numbers and confirmed the fraud claim. He recommended filing a police report, which I did that same evening at the XXXX XXXX Police Department 's First Precinct. 
On XXXX  XX/XX/23, I received a letter to my Chase account denying the fraud claim. The message read " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My checking account ending in XXXX was closed as a result of having a negative balance in the amount of $ XXXX. Pen Fed then electronically transferred the negative balance to my savings account. I called customer service and spoke to a manager by the name of XXXX on XX/XX/23 to ask if they had written consent per the Electronic Funds Transfer Act to transfer to do this. XXXX stated that I signed the signature card and it will be mailed to me. Pen Fed has yet to send me the requested information that bears my signature that I agreed to the electronic transfer of negative funds being placed in my other accounts. The only paperwork that I received was is attached. Pursuant to 15 USC 1693c, disclosures shall be presented at the time of opening the account and shall include the consumer 's right to stop payment of a preauthorized eft and the procedure to stop payment order. This disclosure was never provided to me during the initial opening of this account. Section 205.10 ( b ) of Regulation E, 12 C.F.R. 205.10 ( b ) provides that preauthorized electronic fund transfers from a consumers account may be authorized only by a written, signed, or similarly authenticated by the consumer. The person that obtains the authorization shall provide a copy to the consumer. Also in addition Section 907 ( a ) of the EFTA, 15 USC 1693e ( a ), provides that a preauthorized electronic fund transfer from a consumers account may be authorized by the consumer only in writing, and a copy of such authorization shall be provided to the consumer when made. 

If Pen Fed has proof that I agreed to such transactions, I ask that they please provide this to me as I have requested. If this information can not be provided I am demanding the amount of $ XXXX be removed from my savings account as this was not the account that incurred the overdraft.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

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 explanation