vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2023, I lost my job and was unable to make my payment for XXXX and XXXX. Last week I borrowed money from family members to make the payment. LightStream requested that I make the payment for XXXX, XXXX, XXXX and XXXX future payment at that time. The total payment that I was told I had to make was {$3100.00} for the XXXX months. I made that payment to get caught up and XXXX hours later I received an email that they were going to deduct the XXXX payment a second time. 

I called LightStream customer service on Friday and again today to try and get help because I should not have to make the same payment twice for the same month. On both occasions, the customer service representative told me that it is not their problem and that it is my problem that I am paying the payment twice Because I gave them my checking account number and agreed to be automatically debited. 

I tried to explain to them that I understand that it would be automatically debited every month, but since they already forced me to pay XXXX in XXXX, I shouldnt have been debited until XXXX. 

Again, they told me that this is my problem because they have the account number and they cant stop the payment from happening because its automated and they have no control. 

I am a single father of a developmentally XXXX child, and my ex-wife made that payment on my behalf because it was affecting her credit also. I can not afford to be double dipped by the bank because they claim that they cant stop automated payments because they dont have any controls in place to make that happen. I still have to pay for rent, food for my child, and daycare and schooling and medical. Not working, I paid XXXX, and my medical is exorbitant.

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 2023-10-02 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: 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 1

681. 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I DID NOT RECOGNIZE the following inquiries. As such, it is a very serious error in reporting. I asked several times Equifax and XXXX to DELETE THIS FRAUDULENT AND/OR UNRECOGNIZED HARD INQUIRIES XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX BANK XXXX, XX/XX/2023 This is a violation of 15 U.S. Code 1681i ( 5 ), Removal of Inaccurate/invalidated credit information. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: SC

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. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX  XXXX on XX/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 2023-10-02 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX OF XXXX on XX/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 2023-10-02 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 find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 explanation
Consumer complaint received 2023-10-02 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: 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 XXXX5 USC 1681.

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 explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo mailed a credit card to the wrong address. As a result an unknown person obtained cash benefits from a Wells Fargo XXXX and a Wells Fargo ATM. Wells Fargo refuses to classify the transactions as XXXX, however they do admit that the card was in fact mailed to an address other than my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
I am unable to contact Mohela about my student loans and student loan forgiveness. When using the " Contact Us '' on their website, they never provide an email address or contact form to fill out. It keeps cycling though their FAQs which are not helpful or informative. When I called the XXXX number, I was not able to connect to a person and was told to go to their website. This is ridiculous! 

I am have received an email from the XXXX XXXX. of XXXX stating the some or all of my loan were forgiven and they would send that forgiveness information to Mohela on XX/XX/2023. However, Mohela sent me a bill with a due date of XX/XX/2023. Am I required to make the payment or not?

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Informed XXXX XXXX XXXX XXXX that this was included in bankruptcy.

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 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, a check for {$16000.00} was deposited in my account, for payment. The check cleared, and I was able to withdraw {$3900.00} on the XXXX with no problems, after I went into the branch and verified my identity with the banker. Out of nowhere, Chase puts a hold on my account, now saying they need to verify with the maker of the check, before I can have access to the rest of my funds. Ok, no problem, but for some reason they can't seem to get in touch and now I am being penalized with no access to funds and threats of closing my account with a remaining {$12000.00} in my account. I also gave Chase a direct number to use, which they are saying is not in " there '' system??? I'm wondering shouldn't they have done all of these protocols prior to clearing the check and releasing my funds, just to now find a way to close my account and keep the money that has already cleared. Not sure if this is even legal. 
Please have them release my funds as soon as possible, it will be extremely appreciated! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
All the amounts and dates are incorrect, there are lots of errors and inaccuracies.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
All the amounts and dates are incorrect, there are lots of errors and inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
In XXXX of this year, 2023. I contact XXXX 's XXXX in XXXX to cancel my membership. They told me I need to email XXXX to submit a cancellation request. I submitted the cancellation request and did not receive a response. The next month, the gym tried to debit my account. I went in person to clear this up. The person at the front desk confirmed I had the correct email and they would forward my request to the appropriate person. Finally my gym membership was cancelled and then I received a collection notice from Aldous and Associates via snail mail. In the collection notice they included a self addressed envelope. I printed the original attempt to cancel my membershi and mailed it to Aldous and Associates. Last week I received a call from Aldous and Associates attempting to collect {$120.00} and they said if I don't pay it they will report to my credit. I explained to her that I mailed proof of the cancelation. She said they don't have it and she said she can email me so I can respond. This morning, I respond to the email with the attachment of proof of cancellation and this is the response I get : " You have emailed an unmonitored 'noreply ' email address. 
If you need any help, please don't hesitate to contact us at XXXX. 

Best regards, Aldous XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT, ALL INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. '' I immediately call Aldous and Associates because at this point I think it's comical that someone tells me I can respond via email, communicates with me via email and then I get the response that emails are not checked. 

When I called this morning, the customer service representative that answered told me that they can't accept correspondence via email, only through their XXXX XXXX XXXX I was transferred to the supervisor XXXX XXXX who confirmed they can not accept correspondence via email and I would need to send in proof. I told her I did, send in the proof and I kept getting the run around and they are making it impossible to resolve this issue. I made it clear that they know and it is recorded that this is a bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
This information is not mine, it does not belong to me and I do not want it in my report. 

XXXXXXXX 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 2023-10-02 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:
XX/XX/ : I make a reservation using Citi Thank You points for a hotel in XXXX XXXX, CA for XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  : due to a tropical storm, I call the hotel to cancel the reservation. They confirm I will be fully refunded in 24-48 hours. 

XXXX XX/XX/ : I call Citi and am directed to their Travel Rewards team. They tell me to call back in 5 business days. 

XX/XX/ : I call Citi again and they explain the delay is because the reservation must be canceled manually. They assure me this is done, then send me an email confirming the cancellation will be processed in 7-10 business days. 

XX/XX/ : I call Citi again. They explain the reservation is canceled and I will see my points refunded in 24-48 hours. If not, they say, I should call back. I ask for a supervisor. They tell me a supervisor is not available, but one will call me in two hours. This call never comes. I receive another email confirming the reservation is canceled and a refund is in process. 

XX/XX/XXXX XXXX XXXX  : I call Citi again. They explain that the reservation was not actually canceled before but it has been canceled now. I should check back in 5-7 days. I receive a third email confirming the reservation is canceled. I ask to speak to a supervisor. Im told no supervisor is available now, but they will call me shortly. They call me a day later at XXXX. I miss this call. 

XX/XX/ : I call Citi again and explain the issues Im having and ask to speak to a supervisor. They confirm no refund has been processed yet and agree to connect me to a supervisor. I am put on hold for 25 minutes, then they hang up on me.

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 2023-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-10-02 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: Upstart Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: Hatfield, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MO

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation