vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I made purchases, may was misdelivered. I contacted XXXX the sums was supposed to be refunded. For the last 2 year, I'm waiting for several returned, the largest purchase being aXXXX XXXX that was never refunded. Because of the items not refunded, late fee, and interest fee has accumulated

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 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Today XX/XX/2022 I received a notice from a company called Credit Management that I was in collections for a debt owed to a company called XXXX XXXX XXXX  based in XXXX, TX. I live in XXXX, TX and have absolutely no idea what this debt is about. I have never received notification prior regarding this debt or what, when or where services were rendered. I looked up the website for XXXX XXXXXXXX XXXX and numerous complaints exactly like mine.

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 2022-04-21 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: CA

Complaint narrative:
Someone ran my credit without my permission and dropped my score XXXX points!! 
XXXX, TransUnion, and XXXX I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...

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 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
U S DEPT OF EDXXXX, XXXX XXXX {$1800.00}, and account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: PA

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
FSTPROGRESS, balance is {$540.00}, and account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CREDENCE RM ( Original Creditor : XXXX XXXX XXXX ), balance is {$730.00}, and account # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: FL

Complaint narrative:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 
XXXX XXXX XXXX XXXX Balance : {$11000.00}

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 non-monetary relief
Consumer complaint received 2022-04-21 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: SC

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  Previous Address ( es ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 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 2022-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XX/XX/2022, XXXX XXXX XXXX XXXX  debited {$91.00} from my Capital One checking account. I am paying the debt, but I am paying late. I used this account to pay my monthly payment last month, but it was a call-in payment, this is a new checking account that I have had for only a month maybe. This is not the account that I opened the loan with, and I did not tell them to keep my information on file nor did i sign anything stating to that fact! I called the XXXX location XXXX and spoke with the lady who opened my account and who took my payment last month, I informed her that she kept my Capital One card information on file and used it to make a payment fraudulently!! She stated that I told her when the account was opened that she could use that information and I called her a lie at that time because this account was opened XXXX mths ago I did not have the Capital One account at that time. I told her that I would be filing a report with the CFPB and informing my bank that the {$91.00} was debited from my account without my knowledge. I was told to call back XX/XX/2022, as I have to wait until the charge post. I will be calling my bank XXXX thing in the morning. After I told her all this, she stated that she was sorry it must have been a misunderstanding. It was not because I did not give my permission to use my card for the XXXX payment. She caused a payment to my rental company to be returned. I know that it is against the law to store someone information without their permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Incorrect first and last names and misspellings of my name and incorrect addresses and misspelling of correct address appear on my credit reports

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Incorrect first and last names and misspellings of my name and incorrect addresses and misspelling of correct address appear on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been dealing with both Navient and XXXX as they both reflect different balances. Over the course of many months and with little assistance from the ombudsman, I have had little to no success get answers. One institution will say something in total opposition of the other. I am trying to consolidate my privately owned XXXX loans to direct federal consolidation loans but I am unable to do so as the balance reflected are incorrect. I have been on the phone multiple times with both companies today. Additionally, Navient has an option to XXXX allocate where over payments as be made but there system overrides and splits the balance of the overage instead of paying down my smallest balanced loan as requested. Two customer services representatives have said I will have to call after the payment posts to have the payment reallocate. Come to find out, in the settings there is an option on how allocations are handled. Additionally, Navient advised me previously that in order to correct the balance owed I would have to contact my previous lender Sallie Mae whom last owned my loan in XXXX to insure that my balance is correct. Everyone continues to pass the buck and no one has the authority to do anything. I am working to get a direct consolidation as the only way to get a student loan reassessment based on forbearance over use is to have a direct loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have made a purchase back in XX/XX/XXXX and have been paying comenity bank since then every month. 
For the past two years I have paid way more than I was required to, and still comenity bank due to their own mistake every month processed my payment differently or did not record a payment I made. 
I called them and disputed the mess they have created several times. One time they agreed to fix it. 
I am just tired of them and still after two years they want another {$360.00}. 
I need them to refund me all those penalties they have charged me for every month and to correct their reporting to credit Bureaus. 
The damage they have done to my credit is irreparable and I when I requested a copy of all the statements I have had they said they wont provide me with ANY statements as of today XX/XX/XXXX unless I write and request them from XXXX, Ohio.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21 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: MI

Complaint narrative:
I received an alert from my credit monitoring service that my name, address, and SSN was compromised. I pulled my consumer report and noticed transunion is reporting some fraudulent accounts and inquiries on my consumer report. Furnishing, deceptive, and fraudulent information on my consumer report violates my rights as a consumer. Delete these accounts immediately.

15 USC 1681c-2 ( a ) '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' - 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 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 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I went to XXXX today XX/XX/2022 at XXXX XXXX XXXX, XXXX, XXXX XXXX and presented my XXXX rewards card upon check out along with my Citi credit card. The clerk told me that I had a rewards balance and asked if I wanted to use {$10.00} towards the purchase amount of {$29.00}. I said " yes '', not sure if I clicked on the screen, but without my reading glasses I would not have been able to review the fine print anyways. 

Citi subsequently sent me an email saying that i had just redeemed XXXX points which is particular unfavorable at {$10.00} XXXX points or a 0.8 %. Meanwhile advertise 2 % cash back " Earn 2 % on purchases with 1 % cash back when you buy, plus an additional 1 % as you pay for those purchases. XXXX X XXXXXX XXXX 

Called Citi to complain and they said they could not do anything. My only recourse was to return to the store to process a refund. I called XXXX, and the rep had no idea what I was talking about. Transfers to their credit department, and said they did not have a way to opt me out. 

I drove back to the store, processed a refund, and brought my reading glasses to see that the screen indeed to me " Citi ThankYou '' points. 

I find it deceiving that XXXX present you with so many screens at check out. Some are mandatory like confirming your phone number. Some they try to upcharge you to fund their tax exemptions. Now I also have to read the fine print to ensure that they charge me in points instead of dollars.

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 2022-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This was not sent in error I am a consumer by law and my information as misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

TRANSUNION and the account name is DEPTEDXXXX balance account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XXXX, I conducted a transaction using Cash App. I mistakenly sent {$200.00} to the incorrect recipient whom I do not know. A few hours later I contacted Cash App and I was advised they will not reverse the transaction. The person receiving my money has not returned the money and cash app will not contact them or reverse the transaction. Cash app is allowing it users to steal and also commit wire fraud. The recipient knowingly received funds that do not belong to them. Customer service representatives will not provide an address for their corporate offices or the address where service is accepted by their attorneys/legal team. I was advised by customer service they do not have a mailing address. I would like the transaction reversed and my money returned to me by Cash App which currently has thousands of complaints and are under investigation regarding their policies with number government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance 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 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 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 an account without my written instructions The List of accounts below has violated my federally protected consumer rights XXXX # XXXX and reported a billing error 15 USC 1666 ( b ) ( 2 ) States has no clarification including documentary evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an old charged-off account ( XXXX XXXX XXXX XXXX XXXX This account is too old to be on my credit profile. On my last dispute to Equifax on XX/XX/2022, Equifax responded and said that the credit account will be removed automictically on XX/XX/2022. I checked my credit profile today XX/XX/2022, and the ( XXXX XXXX XXXX, XXXX ) is still on my report. Charge-off accounts stays on a credit profile for up to 7 years. This account is really affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Nelnet, Inc.
State: VA

Complaint narrative:
I JUST SENT A PAYMENT TO THESE THIEVES IN THE AMOUNT OF {$4100.00} ( WHICH IS SUPPOSED TO BE VALID THROUGH XX/XX/22 ) THAT WILL BE PAID ON XX/XX/22 PER THE LETTER FROM XXXX XXXX ( WHO COULD NOT BE BOTHERED TO PROVIDE HER LAST NAME BUT SHE HAS MY LAST NAME AND SO MUCH MORE!!!!! ). I WANT CONFIRMATION THAT THIS AMOUNT FINALLY PAYS OFF MY STUDENT LOAN IN FULL AND THAT I WILL NEVER RECEIVE ANOTHER BILL ( OR ANY OTHER CORRESPONDENCE FROM THEM OTHER THAN TAX INFO ) AND THAT I AM FINALLY DONE WITH THESE THIEVES FOREVER!!!! I WANT THIS NIGHTMARE TO BE OVER FOREVER AND I WILL NEVER HAVE ANOTHER STUDENT LOAN AGAIN!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I responded to an offer ( copy attached ) from Wyndham Rewards XXXX Card/BarclaysUS by joining XXXX as a new member ( payment confirmation copy attached ). I did not receive the statement credit of {$60.00} as promised so I disputed the {$60.00} balance on my credit card statement ( copy of my dispute letter dated XX/XX/XXXX attached ). The {$60.00} statement credit was posted to my credit card on XX/XX/XXXX. Today I tried to use my XXXX membership to make a purchase in-store, and the manager told me that the credit card company reversed the membership charge, which cancelled my membership.

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 2022-04-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 state a consumer reporting agency can not furnish a account without 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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, an 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 state a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation