vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Im requesting help in getting refund of {$510.00} that either Citicard MC or XXXX XXXX still has re-applied to my presentcredit card # XXXX. Initially XXXX charged on XX/XX/XXXX {$510.00} this charge at first unknown so reported to Citithey put it into investigation, cancelled XXXX credit card and re-issued new card XXXX and credited on new card on XXXX few days later I recognized the name being hotel booked in XXXX  DC ( not the XXXX XXXX XXXX XXXX and notified Citi I knew of chargethey reapplied charge on same statement on XXXXwhen contacting XXXX  around XX/XX/XXXX they said they CANCELLED reservation ( and no rooms available same rate then ) and REFUNDED XXXX to initial booking credit card XXXXappears refund never received since close dates between initial investigation refund and switch to new credit # XXXX and internal matching of {$510.00} of refund to # XXXX to # XXXX not applied by Citi or bounced back to XXXX. Ive contacted both XXXX and CitiXXXX claims refund went thru and Citi claims investigation credit given initially but re-applied on XX/XX/XXXX but No credit from XXXX. XXXX sent email showing credit given to XXXXCiti suggested asking for a check..XXXX says cant send direct or apply to new card # XXXX __they ask I request Citi re-send dispute to XXXX second applied credit on new card # XXXX. Citi says cant send second dispute on new card since dispute was on old card and closed..please help! Ive contacted both parties and inn stand still on what do nextboth acknowledge needs done. Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, and XXXX XXXX XXXX XXXX # XXXX. 

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 2023-02-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, and XXXX XXXX XXXX XXXX # XXXX. 

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 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: IL

Complaint narrative:
ATG has reported twice to my credit report for XXXX XXXX for two emergency visits XXXX for myself and XXXX for my minor son. We are on XXXX per the No SurpriseAct this illegal to try and collect such funds from a XXXX patient and or balance bill a XXXX patient. When I have brought this to their attention they told me that the debt was valid, they never sent me any documentation advising to this debt. They refuse to remove such debt even after the hospital as written this off for tax purposes and now are trying to collect double their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TX

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as 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 2023-02-15 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: ME

Complaint narrative:
My credit score has inexplicably taken a XXXX point dive. I have made inquiries at all three credit reporting agencies, and every possible credit score reporting agency : no one can explain why my score is being reported as having lost XXXX points. I do not have any accounts that are delinquent, my credit usage is at 17 %, I have $ XXXX available credit, I have not taken out any loans, the age of my credit report is average, there is literally NOTHING that has occurred in my financial life that should be causing my score to be reported like this. I received a fraud alert saying that my email address was compromised and that various personal information was appearing on the dark web, but I do not have access to the dark web to see what may be going on, and the alert is vague. Can someone please help me figure out what is going on here? There is not anything appearing on any of my credit reports that I can dispute to correct this issue, there have been no major changes to my credit reports that would have caused this XXXX point crash. The only reason a credit score would take such a steep dive, I have been advised by various credit services, is if someone filed for bankruptcy. I have not done this. Please help. I am a single parent who has worked SO hard to improve my credit score over the last 10 years so I can qualify for a mortgage and buy a house for my kid.

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 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has a long history of credit card collection maleficence and abuse of the legal system. They failed to serve me a suit with the Index number in XXXX XXXX, NY of XXXX. Their process server filed a perjured Affidavit of Service on a date I was out of state during recovery post XXXX XXXX XXXX. Additionally, the server 's description of the servee was fictional. XXXX XXXX XXXX was informed of this fact and followed up with a revised perjured Affidavit of Service that was attached to a picture of a house that is not mine, updated with a description of said recipient only after I appeared in court and used accordingly. Their revised Affidavit of Service documented their use of perjury to confirm service. It included a picture of a building that is not my house, as well as a cell phone picture was taken of me with an illegible piece of paper taken MONTHS AFTER their initiation of a case and not on the date and time they claim I was served. The Affidavit of Service CLEARLY states the date of service as well as the time of XXXX XXXX The photo that was shot MONTHS LATER, clearly shows the time shot as XXXX XXXX XXXX  '' so it is quite obviously not the date and time that is stated in the Affidavit of Service. 

Additionally, XXXX XXXX  XXXX have ignored filed discovery requests including supplying copies of bank statements that cover the time period of the amounts they claimed are owed to Discover Bank. I had to appear in court to answer this action at times I was in the middle of an XXXX daily session of XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX ignoring discovery is a willful attempt to keep me from validating the amount they claim is owed to Discover Bank. I have knowledge and documentation of refunds owed to me by Discover Bank, as well as documentation of {$1200.00} of funds transfers that did not arrive at the directed bank and were not credited back to my Discover Bank checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I reviewed a copy of my credit report XXXX ran an unauthorized credit inquiry on me on XX/XX/2024. I never authorized such action please removal these immediately please. I am requesting an updated copy of my credit report, which should be sent to the address listed above. If you have any questions or need additional information, please contact me at ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested for experian to remove XXXX credit card from my credit report, my XXXX  card went inactive on or about XXXX, I went to XXXX  on XX/XX/XXXX, sometime in XXXX XXXX  reopened my credit card without any authorization and the card was fraudulently used. It would have been impossibe for me to reactivate my card, I was in XXXX  with a sentence of XXXX  months which is XXXX. this account was reactivated under fraud pretence, I gave this information to experian and XXXX  card and they have continued to report this account with the fraud charges and as charged off, I am not reliable for this debt. I was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I paid {$30.00} stop payment at Chase Bank for XXXX XXXX XXXX XXXX because I did not want to pay this debt because it violated the contract that I had with it. XXXX is the collection agency for Chase Bank which is the reason Chase did not follow though on the stop payment. Chase Bank charged me overdraft fees in the amount of {$360.00} I have contacted Chase Bank but the issue has not been resolved. My account is not accessible because I have a negative {$360.00} and Chase Bank want me to pay this amount to bring my account current. XXXX has stated it will continue to present a draft each month for {$230.00} to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The XXXX XXXX XXXX is continuing to state that i am late and behind on payments when during COVID i was told that I would not have to make any payments nor would any such payments be subject to reporting to my credit. These loans have been forgiven as well and they still are reporting to my credit..

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 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have contacted Oportun numerous times on why I keep receiving notices about being late on my original loan from them. I refinanced my loan, but they keep saying that the previous loan is still open and have late payments. I was advised from an Oportun representative that my credit just wasnt updated yet and within the next month, it would be closed out and show that it was refinanced. Now they are ruining my credit by reporting that its charged off when its not. I want this corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I reviewed a copy of my credit report XXXX ran an unauthorized credit inquiry on me on XX/XX/2024. I never authorized such action please removal these immediately please. I am requesting an updated copy of my credit report, which should be sent to the address listed above. If you have any questions or need additional information, please contact me at ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am not paying this debt, it is not owed by me!! XXXX XXXX gave me horrid service while with them and cancelled my insurance without notice while I was off work on unpaid medical leave and had and still have XXXX XXXX  due to XXXX XXXX XXXX. I have had no income for 6 months and do not know when I will be released to return to work! I have no intention of paying them anymore money anyway the continually lied their heads off and increased my premiums constantly for no reason. I have only have no tickets or accidents!! You can deliver the attached Cease and Desist letter and if they continue to harass me I will sue them!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXTRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX. - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX RESIDENT VERIFY XX/XX/XXXX - XXXX RESIDENT VERIFY XXXX XXXX - XXXX  XXXX  XX/XX/XXXX I reached out to have these inquiries investigated and nothing has been done about 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
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX NA XX/XX/XXXX - EXPERIAN XXXX XX/XX/XXXX. - EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX  XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XXXX  - EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX - EXPERIAN On XX/XX/XXXX XXXX reached out to have these inquiries investigated and nothing has been done about 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
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
In XX/XX/2022 Loandepot posted my wind insurance policy amount 2 times to my escrow account. They also posted an unidentified {$300.00} to the escrow account. This has caused a recalculation of my mortgage payment from {$1100.00} to {$1500.00}. The current payment is {$1400.00} which represents a 36 % increase due to Loandepot 's error, not mine. I can not afford to continue to pay the inflated amount which was caused by Loandepot. 

This has also caused my monthly extra principal payment to be posted to escrow instead of reducing my principal balance and interest paid since XX/XX/2022. 

I've called multiple times and was told they were correctly it, but today I had my autopayment returned and again, had to repay the increased amount to keep my mortgage in good standing. 

After 4 months of trying to get them to correct their own mistake, I'm reaching out to you in hopes that a complaint will force them to correct it.

Company response to consumer: Closed with explanation