vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: RI

Complaint narrative:
After further review of alleged indebtedness I can not confirm I am responsible for it. Foremost, there is no record of a Master Promissory Note on file with the Department of Education. Please provide me with the original instrument, Master Promissory Note, and/or MPN with wet signature. Furthermore, every credit bureau has a different account number for this account. I will be mailing Department of EducationXXXX Aidvantage an affidavit requesting proof of obligation of this alleged debt. 

If I, XXXX XXXX XXXX, am found responsible for the indebtedness, please consider this my consent to credit my account from my deposit account via the Certificate of Indebtedness. Dept of ED/Aidvantage/Maximus never credited my account via the Electronic Funds Transfer Act with the interest they made on Treasury coupons. 

Please consider this, your opportunity, in good faith, to correct. 

I am requesting your proof that I am the obligated party to repay this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory notes printed is not proof of obligation. Please provide proof by affirming you did not purchase, or sell, the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth in Lending Act. Please cease and desist any further attempt to collect on this debt until you can validate it with the original instrument. Furthermore, if validated, please credit my account with the Certificate of Indebtedness including all principal and all past interest made from the Treasury coupon. See 12CFR Part 1026.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, they texted me a prompt to confirm a transaction ( of {$700.00} ), then instructed me to attempt the payment again, and misled me to believe that said transaction had been declined- only for it to have gone through in the first place. I did what they asked of me and immediately canceled the first transaction ( after confirming w/ them via text ), not realizing that it had actually gone through, thus causing any subsequent attempts to fail due to my now over-drafted account. I am now late on rent and getting charged {$80.00} per day of being late. This situation has compromised me in more ways than XXXX and Discovers only response ( on XX/XX/XXXX ) was that they have no control over those automated texts. They also stated that my funds would be back today ( XX/XX/XXXX ) and it is now XXXX XXXX XXXX and I have yet to see anything in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX-Original Creditor : 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX-Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I sent a Letter dated XX/XX/2019 saying that I do not believe that I owe what you say I owe an I sent them a certified letter saying this and I got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
HELLO, I AM EMAILING BECAUSE I WOKE UP TO AN ALERT THAT MY CREDIT SCORE DROPPED BY XXXX POINTS DUE TO LOAN CARE FLAGGING MY ACCOUNT AS 30 DAYS PAST DUE. I AM CURRENTLY PENDING APPROVAL OF MY MORTAGE ASSISTANCE APPLICATION. I WAS TOLD IN MY CALLS CALL WITH LOANCARE WHILE MY APPLICATION IS UNDER REVIEW I WILL NOT SEE ANY CHANGES TO MY CREDIT REPORT. PLEASE ADVISE WHY YOU ALL REPORTED MY ACCOUNT DELIQUENT WHEN I AM STILL PENDING THE RESULTS OF A MORTAGE ASSISTANCE APPLICATION. 

ALSO THERE IS NO FAQ OR ANY AGREEMENT WITHIN THE MORTAGE ASSISTANCE APPLICATION THAT I UNDERSTAND THAT MY ACCOUNT WOULD BE REPORTED AS DELIQUENT IF I FAIL TO MAKE MY PAYMENTS WHILE UNDER THIS REVIEW. 

PLEASE SEE THE ATTACHED APPLICATION WHICH IS CURRENTLY UNDER REVIEW. AGAIN THE APPLICATION DOES NOT SAY I UNDERSTAND AND AGREE THAT MY ACCOUNT WILL BE REPORTED DELIQUENT TO THE CREDIT BUREAUS. OTHERWISE, WHAT IS THE POINT OF THIS APPLICATION?! 

PLEASE ADVISE,

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
on XX/XX/year> at approximately XXXXXXXX XXXX central time, Aspire Credit Card company sent me an email saying they were going to raise my variable APR of a little over 20 % to a fixed rate of 32.4 % They also said the letter was " an important legal document '' and should be kept for future reference. I believe this is unfair and deceptive practices. 
I never received a appropriate Appendix XXXX - Right to Rescission ; explanation of why Section 5 of the FTC Act, 15 U.S.C. 45 violations are being ignored ; and Bait and Switch practices. 

They also said there was correspondence sent via mail, which is a violation of privacy and an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY

Complaint narrative:
Received call from XXXX person on phone identifies as bank of america representative. I verified the number on my debit card and it matched with my bank. He asked if I had made a transaction in XXXX XXXX and I verified no I had not. I received a text with Bank of America logos and replied no I had not made the transaction. He then explained that my account was compromised and I needed to move money with a XXXX transfer so they could keep it from being illegally transferred. I did not know that when I tranferred the money it went straight to the imposter scammers. I transferred to account XXXX, XXXX that they created {$1100.00}, {$970.00}, and {$1300.00} to them. They said the money would be back in my account on XXXX. At XXXX XXXX on XX/XX/24 I called bank of america because I realized this had been a scam and reported it as fraud and imposter scam. They said they will investigate and notify XXXX and reach a decision in 60 days. I received the letter on XX/XX/24 from bank of america via encrypted email they they will not refund me due to the fact it was not fraud and I authorized the transaction. I was coerced and the imposter had all of my information and fell that Bank of America should be held accountable for lack of protection. I never put XXXX in my online account this would have never happened. I also filed a report with the FBI and the FTC on this imposter scam.

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 2024-03-07 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: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX Chase has waived a monthly {$12.00} service fee for my checking account. 

However in XX/XX/XXXX they were unable to waive the fee due to excessive waivers. 

I downgraded account so it's XXXX/month. Or waive it completely until I find stable employment. 

Please force them to waive the {$12.00} monthly service fee for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the XXXX for XX/XX/XXXX and XX/XX/XXXX. 

I understand it takes a couple of statement cycles for it to be in effect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
XXXX had my loans transferred XX/XX/XXXX my loan out because I qualified for XXXX relief, I sent over all letters and supporting documents from XXXX and XXXX to Experian explaining XXXX balanced owed and account was closed they continue to hinder my credit profile by continually reporting inaccurate and outdated information knowingly having supporting documents, XXXX XXXXXXXX XXXX I sent more documents and disputes out. Still, they ruled that the information was correct. I reached out again XXXX regarding this same issue and they are still reporting wrong information, they have I owed and is late to XXXX still and double on top of that for the same exact loan saying I owe XXXX, with supporting document that was mailed out again on XX/XX/XXXX the results states as accurate. I spoke with a representee twice XXXX XXXX XXXX from XXXX saying they did their part and have not reported anything to the credit bureau since XX/XX/XXXX and I have been disputing this since, so somewhere it seems all major credit bureaus don't want to rightfully be removed this which has been a major impact on my life and credit report. submitted to document supporting this with no corrections or removal. of these items they are still remaining and effecting my daily life. If the actual creditor is saying that they are reporting wrong, why is it such an issue to do the right thing and remove this item with the supporting documents that was given.

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 2024-03-07 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: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX, XXXX  Date of InquiryXX/XX/XXXX, XXXX XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX XXXX Date of InquiryXX/XX/XXXX, XXXX Date of InquiryXX/XX/XXXX & XXXX Date of InquiryXX/XX/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 2024-03-07 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: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: NY

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( transunion and XXXX ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I contacted Barclays Bank Delaware on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.

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 2024-03-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Hard Inquiry- XXXX I am writing this letter for the THIRD TIME to dispute a fraudulent hard inquiry that has appeared on my credit report. I have been a victim of identity theft for the past 6 months, hence the active fraud alert on my profile. I recently unfroze my credit to move forward with an apartment check and in the time that its been unfroze someone has accessed my information. Attached is the XXXX letter confirmation of fraud. 

As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the removal of the following fraudulent inquiries from my credit report. 

XXXX hard inquiry on XX/XX/2024 I did not submit nor authorize any inquiries from XXXX. I have 0 open accounts or connections to this institution. 

Equifax is pure trash. Let 's start with the " investigations '' they claim to do that are completely useless and no help whatsoever. I am dealing with true name fraud. Every time I submit a fraud dispute it conveniently comes back " verified as accurate '' which is LITERALLY impossible and I'm convinced this entire company is run by retards. 

They don't send follow up letters, they continue to make decisions that DON'T HELP and don't protect my credit profile at all! I'm just letting the problems pile up at this point so I can get a fat check from the lawsuit coming their way. This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief