vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-02-09 00:00:00
Product: Credit 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: TX

Complaint narrative:
I am writing to file a formal complaint against Citibank regarding their refusal to honor the Platinum Mastercard Promo, which I believe constitutes a clear violation of consumer rights and fair banking practices. Despite my repeated attempts to resolve this matter directly with Citibank, the bank has failed to address my concerns satisfactorily, leaving me no recourse but to seek your intervention. 

In XX/XX/2023, I applied for and was approved for the Citibank AAdvantage World Elite Mastercard. Shortly thereafter, within 48 hours of activating the World Elite Mastercard, I realized that the Platinum Select Mastercard might better suit my travel needs. I promptly contacted Citibank 's customer service department to facilitate the card change. 

During this call, Citibank 's representative assured me that I had 14 days to make this card change and provided information about the differences in the rewards promotion associated with the Platinum Select Mastercard. I acknowledged these differences and agreed to the terms of the Platinum Select promo. 

From XXXX through XXXX of 2023, I diligently used my Citibank Mastercard for all purchases to meet the spending threshold required for the promotional rewards. However, when I reviewed my XX/XX/2023 statement, I found that the rewards had not been reflected. 

Upon contacting Citibank 's customer service, I was initially assured that I had met the spending threshold and would receive the rewards on my XX/XX/XXXX statement. However, when the statement arrived, the rewards were still missing. Subsequent inquiries revealed that Citibank considered my card change a " conversion '' rather than a new card promo, disqualifying me from the rewards. 

Despite escalating my concerns to Citibank 's management, I was met with indifference and a refusal to acknowledge their miscommunication and mishandling of the situation. This treatment is unacceptable, and I believe it is indicative of Citibank 's disregard for its customers ' rights and fair business practices. 

I am seeking your intervention to ensure that Citibank rectifies this matter immediately. Specifically, I request that the Consumer Financial Protection Bureau takes the following actions :

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-09 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: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
MOHELA 's website indicated that my account was due to to recertify my income for my income driven repayment plan, PAYE. On their website, they listed XXXX dates : XX/XX/XXXX and XX/XX/XXXX. MOHELA 's website directs clients to recertify at XXXX. 

When I logged into studentaid.gov, I chatted with XXXX, the chatbot for the website who stated that " the earliest you could be required to recertify is XX/XX/XXXX. Any date listed between now and XXXX first will get pushed out by a year. '' When I checked my IDR anniversary date on the StudentAid website, It lists XX/XX/XXXX. 

Based on this information, I was made to believe that my income recertification would be pushed back by a year ( XX/XX/XXXX falls before XX/XX/XXXX ) to XX/XX/XXXX and so did not recertify. When I went to check this date on the Mohela website, it now says that I am past due to recertify, my loans will capitalize, and I may be removed from the PSLF qualifying PAYE plan. 

I called Mohela on XXXX and received a callback from a supervisor on XXXX to ask what happened, and they stated that the " hard date '' to recertify is actually XX/XX/XXXX as this is when my next payment would be due. When I informed them that all client facing dates provided would have fallen within the window on studentaid.gov and could they provide documentation or direct me to the area on the website that listed XX/XX/XXXX as the deadline, they could not do this. 

Mohela 's refusal to honor the studentaid.gov website of pushing back my IDR date will cause significant financial hardship. Having to recertify now ( vs 1 year from now ) will cause my monthly payment to increase by {$1100.00} and cost me over {$13000.00} over the next year. Any payment plan that would result in a lower payment would not qualify for the Public Service Loan Forgiveness program.

The fact that Mohela is using dates to decline clients from qualifying for the push back of income recertification discussed on the studentaid.gov website that are not CLIENT FACING and that they CAN NOT VERIFY online or in writing is fraudulent and misleading. This seems to be in violation of the Unfair Deceptive or Abusive Acts and Practice Law.

I have filed a complaint with MOHELA, StudentAid.gov, and now the CFPB regarding this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: OK

Complaint narrative:
Equifax shared my information with mortgage lenders and other people without my consent, no I am being harassed and bombarded with calls, text, and emails from these people. I can't even receive a personal call on my phone because it is ringing back to back from unsolicited and un asked for calls and text.. They shared my name, phone number, social security number, birth date, and other personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I recently filed a complaint about Navient, my student loan servicer. The case is still pending. However, I received a mail notification in my inbox today. A new overdue payment from XX/XX/2023 suddenly appeared on my account, along with a warning of potential interest charges. I rigorously monitor my account and have records of payments made in XXXX and XX/XX/2023, making this discrepancy perplexing. Despite multiple attempts, I have been unable to reach Navient to address this issue. Your prompt assistance in escalating this matter would be appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I have already contacted Nelnet. They say that in XX/XX/2023, the government put in " suppression '' so they can not update credit reports at all. My transfer of the entire balance to XXXX took place in XX/XX/2023. Nelnet says to file a complaint with StudentAid.gov. I did that today also. Nelnet says it is impossible for them to update the 3 credit reporting agencies that my balance is XXXX. XXXX Nelnet shows a balance of XXXX. It is affecting my credit rating. My credit reports all show that I owe Nelnet this amount of money, when in fact I do not. I have worked in public service for 10 years and much of my student loans held by XXXX has been forgiven. I only owe XXXX XXXX. I owe Nelnet XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bepensa Capital, Inc.
State: IL

Complaint narrative:
In XXXX of XXXX, I received a letter advising that insurance I had covered on my car wasnt up to standards according to my loan contract! I was advised that I must have comprehension and collision insurance! This was from XXXX XXXX XX/XX/XXXX. I was told that the total amount could be split between my monthly car payments. The company advise that they purchase my premium and paid it in full! After getting email treating to shut down my car after Ive been making all the payments for both the force place insurance as well as my car note on time or early. Now the finance company is calling me repeatedly or emailing me advising that Im behind on payments and or late which isnt true! Ive paid every payment on time or early since XXXX of XXXX! Ive requested a copy of the force place insurance and a break down of how the payment was applied to this vs my interest and principal! I was told that they were taking what was needed for the interest and applying the rest towards this force place insurance and whatever after that was left was applied to my principal! At XXXX point they said XXXX $ went towards my principal. The total was suppose to be for XXXX for 12 months and that was to be paid with an additional XXXX per month in addition to my XXXX car note!. The company representative were rude and disrespectful and advised if I had my own insurance this wouldnt be happening! Since XX/XX/XXXX Ive purchased insurance through XXXX! Ive provided proof of this insurance and was advise that I still must pay an additional XXXX to cover the rest of the loan and that I only receive an XXXX credit and the rest will have to be paid and I will not get an refund! According to the information Ive research, the finance company must cancel the policy within 15 days and present a refund of the remaining amount! They are advising that this isnt true. Which I believe is a lie and they are using illegal practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: MS

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, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX , Account name : 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 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 2024-02-09 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: MS

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, Account name : XXXXXXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX , Account name : XXXX XXXX XXXXXXXX, 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 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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Filed Disputes : XXXX, XXXX, XXXX - Telephonic Disputes, Written Disputes - Electronic Disputes Inaccurate Balance / Inaccurate Late Payments Credit Acceptance not given authority to submit any personal information regarding any history without my consent. 

15 USC 6802

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 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: IL

Complaint narrative:
PLEASE ACTUALLY READ : STOP IGNORING YOUR COMPLAINTS OF LEGAL VIOLATIONS, I AM NOT ASKING FOR VERIFICATION : YOU ARE VIOLATING ILLINOIS STATE LAWS This is getting out of hand with Persolve and I will have to involve legal action as they CONTINUE to meticulously ignore the Illinois law. I previously made a XXXX complaint informing them they are in violation of Illinois statute 205 ILCS 740/ Collection Agency Act. Which clearly states to collect a debt that the company must be licensed as a collection agency in illinois with the Illinois Department of Finance. Persolve continues to IGNORE this statement and keeps telling me they verified the debt. Persolve is pretending to be ignorant in order to not correct this issue. 

I AM NOT REQUESTING VERIFICATION. I am stating that your company is breaking Illinois law and this has been reported to the states attorney. You all are not allowed to collect i this state by any means until you have the proper licensing. And then you continue to lie about the owner of the debt. When i made htis statement you told me that Persolve did NOT own the debt and that XXXX XXXX XXXX XXXX XXXX owned the debt, which is not true. 

When I questioned XXXX XXXX XXXX XXXX XXXX and Persolve about this they BOTH confirmed that Persolve owns the debt and it the one attempting to collect. Which makes it illegal for them to collect without the proper license. Why lie about the owner of the debt? This just proves that they are being shady Delete this account immediately or the states attorney will be forced to investigate your firm. I live in Illinois and I am subject to illinois collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Before the collection agency reached out to me, I never received any bill or the alleged purchase of any product or services from XXXX XXXX XXXX XXXX. I've XXXX XXXX XXXX account for my internet services and XXXX XXXX for my Cellphone... for past 8 or more years... and both are in excellent status. 
Clearly, someone used my SS and other PII information and made this fraudulent charge on my name and social. 
I requested Sequium Asset Solutions , LLC - the collection agency to share the details with me so I can investigate directly with the XXXX XXXX XXXX and figure out who, what, when, why of this fraudulent charge. But they are not willing to share any details with me. I called them a few times, sent them emails... submitted my request through their website. 
I would not mind paying this amount only if I have received any product or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Friday, XX/XX/XXXX around XXXX  ( EST ) I received 3 missed calls from what my cell phone said was XXXX XXXX XXXXXXXX ( XXXX ) and I picked up one of the calls at XXXX. I do not unfortunately remember the gentlemans name but he formally said he was calling from XXXX XXXX XXXXXXXX and gave an ID number and said that someone had tried to open a bank account using my information, and it was flagged as suspicious because when they used my cell phone number to link a XXXX account, it saw I was already registered with XXXX through Huntington. He said I had to speak to their XXXX fraud department to get my account unlinked and decline the fraudulent charges they were trying to make. He gave me a case number before transferring me ( XXXX ). He then transferred me to a different gentleman and again, gave me some ID badge number and explained the situation again. He said I needed to go to my XXXX account and follow these steps in order for them ( XXXX ) to cancel these fraudulent pending charges. He walked me through steps of adding a recipient contact in my XXXX ( phone number XXXX ) and it came up with a name of XXXX XXXX. He told me that is their head of department who has to approve the void holds. He then had me write specific notes in the memo section stating : VOID {$990.00} XXXX XXXX. Now clearly looking back, I see the case number and phone number match but in the moment I did not notice that. He then said when it popped up with the amount of money to enter XXXX well when I did that, it kept giving me an error saying increments had to be at least {$1.00}. So then he said okay well lets try this code number of XXXX, which entered as {$440.00} and I asked multiple times if this was going to take money from my account and he said no, it would result as void charge. Which clearly it did not. He then tried to get me to do it 2 more times, but I then caught on that something didnt feel right so I hung up. While I was on the phone the whole time I even XXXX searched the XXXX XXXX XXXXXXXX phone number and it matched the same number on my phone that I had received and took, so I assumed it was real. After I hung up, I did receive multiple calls from a different number ( XXXX ( XXXX ) XXXX ) but I never answered any. I quickly called Huntington Bank ( number on the back of my debit card ) to file a fraudulent charge of the {$440.00} that was taken. And they filed a complaint and gave me a case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with non-monetary relief