vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
i made XXXX payments in the month of XX/XX/2023 but my balance stay the same.

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 2023-12-27 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid for postal services at the XXXX XXXX, FL post office on XX/XX/2023 at a cost of {$63.00} with a Citibank Mastercard charge card XXXX XXXX XXXX XXXX XXXX  XXXX. When I received my bill, there was a duplicate charge for another {$63.00}, which I did not authorize or receive any services for. The transaction number for this duplicate and incorrect charge is XXXX XXXX, showing that it was entered immediately after the original legitimate charge as it bears the number XXXX single digit higher than that of the original legitimate charge as you will note. 
I sent a complaint to Citicards Customer Service on XX/XX/2023. I received a reply dated XX/XX/2023 from Citicards verifying the {$63.00} charge with a USPS receipt stating that there was only XXXX transaction and they were closing the investigation. The charge that was verified was the original charge ( # XXXX ). My credit card invoice, which I had submitted to them clearly shows XXXX transactions for the same amount, XXXX after the other as noted above. Citicards ignored this point. I have sent XXXX more letters dated XX/XX/2023, XX/XX/2023, XX/XX/2023 and most recently XXXX pointing out Citicards ' error. Each time, they have responded that the investigation is closed, and they can not ask the merchant for verification! However, their focus continues to be on the original charge only and not the subject of my complaint, which is the duplicate charge with the different transaction number! This is completely unacceptable as I'm sure you will agree.

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 2023-12-27 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: MI

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
Mohela denied me opportunities to lower my monthly payments. 

Mohela charged off my account without any warning when I only had {$10000.00} left to pay on the account. 

Mohela did not explain the consequences of a charged off and that the default date would happen on XX/XX/2023. 

This timeline establishes that a least week before the discharge/default, Mohela did not give me any warning that my loan would be in default on XX/XX/2023. 

XX/XX/2023 I received an e-mail from Mohela with the subject line, Final Notification, which stated : Your private education loan is being reviewed for assignment to a collection agency. I called Mohela immediately to discuss a repayment plan. I was and still am unemployed, but I was willing to use the last bit of money I had to avoid default. I spoke to a representative and applied for a Loan Modification. I was denied. Apparently, my expenses exceeded my income, so I could not qualified for the lower payment. My monthly payments were {$1000.00}. I could not qualify for a lower payment of {$200.00}, which I offered to pay right then on the call. This did not make any sense as the reason why I am experiencing a hardship is because I do not have sufficient income to meet all my expenses. 

XX/XX/2023 I receive a letter from Mohela with this date in which they said that my request for a Loan Modification was not approved. The reason for the decision in the letter is : Your current stated cash flow is not sufficient to repay the loan within the parameters of the loan modification. 

XX/XX/2023 The account was discharged ; I did not receive any calls from Mohela on this date to warn me about what was going to happen and to try to work with me to make a payment. If I knew this would happen, I would have asked my friends or Dad to borrow money to delay the default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I sent a letter to this debtor " Procollect '' because I received a copy of my credit report and on the credit report i found that this debt collection was inaccurately reporting on all three of my credit reports, XXXX, XXXX, XXXX XXXXXXXX. This debt which does not belong to me has hurt my credit report score causing my credit to drop several points. I have never received any documentation stating that this debt belong to me, nor have i had an opportunity to dispute the fact that this debt belong to me. Therefore, I am asking that this debt collection be removed from my credit report immediately. 

Under the Fair Credit Reporting Act, 15 USC 1681, I am expressing my right to demand that the disclosure of their compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning this account. I have asked that they send these files which they have not. 

It is my right that under the FCRA 15 USC. 1681I, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that this is my account with in 30 days it must be removed from my credit report. I will be also filing a complaint with the FTC and the attorney General of the State of Texas.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I communicated to American Express National Bank directly to there PO Address communicated directly to their corporate inbox. I first communicated with them on XXXX of XXXX and they have yet to respond. 

As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with American Express National Bank to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. 
There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I contacted westlake financial about my late payment on my car loan. I had circumstances that made it impossible for me to make this payment on time. I explained what this was and Told them I could make the payment on the XXXX, which would be 24 days late as it was due on the XXXX. They agreed to this and set up a payment for the XXXX the XXXX I was contacted by the dealership I bought the car from saying that the bank defaulted on my loan and they were repoing my car. My car was returned that day. on the XXXX XXXX XXXX processed the Payment!!!. So I got ahold of them and they did nothing to resolve this. 
It is evil what they did to me. That XXXX XXXX was all the money I had in the world. And the truck I bought with my livelihood and they took them both. After professing that they understood my circumstances and set a date for me to make it right so that I didn ; t lose either. Isn't a verbal agreement binding in a case like this? I lost my job because I couldn't make it to work after this happened.This was wrong. So unethical. And terrible business.

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 2023-12-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # XXXX ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
I purchased a XXXX XXXX for {$8800.00}. ( company XXXX XXXX ). The in house representative offered financing with 24 months same as cash ( no interest ) with PCI- Preferred Credit Inc XXXX I set up automatic payments with them at the time of approval. My first statement came in and 1st payment was due XX/XX/XXXX. It has been 24 months now XX/XX/XXXX and I asked for a payoff amount. I looked over my statements, and I realized they have been adding interest to the balance from month 1 and that the balance has went up over the 24 months instead of down. I have paid {$3700.00} towards the balance and expected a payoff of {$5100.00} however PCI still shows I owe {$8400.00}. I called PCI XXXX to get this issue resolved. They said that the statement will always add interest and to see what your true balance is at any time you have to call as the statement will not show correctly the 24 months same as cash amount. They also reported that it is not 24 months from the first statement or payment due, that it is 24 months from install date. I told them that even though it was installed on XX/XX/XXXX, it was not functional on that date. They had to come back and dig a gravel pit for the regeneration and then they system did not pass inspection the first time and they had to come back and fit it. I talked to XXXX XXXX and XXXX XXXX ( supervisor ) about taking off the interest and giving me a payoff balance. They both said they couldn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is reporting account history and personal information associated with this account in violation of Gramm-Leach-Bliley Act. This information is being reported in violation of my right to have this information omitted 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 explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have found inaccurate information on my credit report. I disputed the items in question and it was not fixed.

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 2023-12-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed FTC Report because I found incorrect ssn number reporting on my credit report on all 3 credit bureaus and fraudulant items on my credit report as well. Nobody has yet to help me and get this 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 explanation
Consumer complaint received 2023-12-27 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: VA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter. 

**See letters for the disputed items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter. 

**See letters for the disputed items

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 2023-12-27 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: Chime Financial Inc
State: FL

Complaint narrative:
Last XX/XX/2023, there were Fourteen fraudulent charges of {$73.00} in my Chime debit card. These transactions amounting to {$1000.00}. I have complained to Chime customer service that these are all fraudulent. I live in Florida, and all of these transactions says XXXX XXXX XXXX, XXXX XXXX Of XXXX, PA, XXXX. Chime sent me a denial letter that there was no billing error at all. I have submitted them all evidences, and they could even track my location during that time, but they denied all of them. Same day these fraudulent transactions occurred, I was doing my grocery shopping from XXXX XXXX XXXX XXXX. Their letter did not even have a specific reason for denying me. They requested me to file a police report, but I still got denial letter from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Someone had opened an account at Ally Bank in my name and tried to transfer almost XXXX to it.

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