vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: TN

Complaint narrative:
I attended XXXX XXXX from XXXX. My student loans were disbursed by XXXX XXXX ASPIRE SERVICE CENTER AND XXXX XXXX XXXX XXXX beginning in XXXX. I filed for bankruptcy to which XXXX XXXX XXXX XXXX/Aspire filed a claim in my case. They filed a claim on XX/XX/XXXX for the amount of {$23000.00} with the court and was paid through the court system. XXXX XXXXAspire was acquired by XXXX XXXXXX/XX/XXXX XXXX When my case was discharged, Aspire began trying to collect from me under XXXXAspire for the amount the court did not pay through the case. When I spoke on the phone with several representatives previously with the last one being today, different things have been told to me. The rep today ( XX/XX/XXXX ) told me that payments have not been made and that they did not file a case in a bankruptcy, so I sent her the printout from the XXXX to show proof of payment. She then found the payments in their system but stated that they pulled the debt back and billed it under the gaurantor which is XXXX. XXXX was not the guarantor when XXXX XXXX/Aspire filed the claim in the case on XX/XX/XXXX, they did not become the guarantor until XX/XX/XXXX to which at that time Aspire had already began receiving payments from the court. Payments were made by the court on the following dates below : They are now trying to make me pay for the loans under the new owner when they filed a claim and were paid under the old owner. Thank you for your help, Date Check Number Name of Party Description Payment Amount Total XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$120.00} {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$5100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$4700.00} XX/XX/XXXX XXXX GXXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$480.00} {$3900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$2600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$1300.00} XX/XX/XXXX XXXX GXXXX XXXX XXXX XXXX XXXX XXXXMOUNT PAID TO CREDITOR {$390.00} {$880.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$100.00} {$100.00}

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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I purchased a coat from XXXX in XXXX. I received the coat in early XXXX, the coat was not what I ordered, it didn't fit correctly, so I packaged it back up, took to Post Office and sent it back. I called a week later to see if they received back, and they verified with me the coat was received back by them. I started receiving a bill for payment and after enormous phone calls to rectify the issue with comenity bank and XXXX, I discovered my account was in collections. I had already closed my account. I AM NOT PAYING THEM FOR A PURCHASE THAT WAS RETURNED.!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2022, my wallet was stolen while I was at an ice cream shop at the corner of XXXX and XXXX XXXX in XXXX, New York. Within an hour I noticed that two unauthorized charges to the tune of {$400.00} had been made to my account. I immediately reported it to my bank, TD, who told me to file a police report. I filed the police report within an hour of being off the phone with TD. 

On XX/XX/XXXX, I went to a TD branch to obtain a new debit card and also informed them about my issue. I told them about the steps I undertook to correct the issue, and they said it should be resolved without issue. 

On XX/XX/XXXX, the dispute was denied, stating that " the card was not utilized under after you notified us to close the card '', which is patently incorrect - The {$400.00} of unauthorized charges shows that. I called TD as soon as I received this letter on XX/XX/XXXX, to which no one would help me further other than to re-file the report. The fact that I followed all of the bank 's steps and am still out {$400.00} is ridiculous and shows they took no effort to investigate the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX XXXX money was withdrawn from a XX/XX/11 on XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX a total of XXXX $ were taken without me being there or my permission. 

I called that same day to file a dispute. They cancelled my credit card that was used. I still had this card in my possession so I know they copied my card and used it at the atm. 

They sent me an email on Sunday XX/XX/XXXX saying that they closed the investigation and no credit or money would be refunded back to me, if I had anymore information they would gladly reopen the case. 

I called them today XX/XX/XXXX, and asked to reopen the investigation. I sent them an email and they got to be back shortly after saying the same thing that they couldnt refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-12 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have found fraudulent accounts that was opened on my credit report.

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 2022-07-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX, Account # XXXX, # Account # 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 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 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I've tried several times to get information to verify this debt. I have been getting the run around for almost a year about this debt. They have responded with templates from their company not actually acknowledging my concerns. I am displeased with how I am being treated and according to the FCRA you have to send me information verifying this debt. Please delete this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Per document sent XX/XX/2022. I XXXX XXXX did not ask for any validation of any debt nor did I request the alledged contract. The document was that Ad Astra Recovery services infringed on my rights to privacy with no consent from me XXXX XXXX. Again please read the notice fully and about rights to privacy and UCC9 -109. Your in clear violation of privacy and privity to contract and if you continue to disregard this matter you will have to settle this in arbitration. Please forward this letter to your Registered Agent for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXXXXXX account number XXXX, and XXXX XXXX account number 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 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 2022-07-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, and XXXX XXXXXXXX account number 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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
cit bank a/c no. XXXX can't close account can't get thru to talk to a person. minimum wait is 69-120 minutes. have tried 5 times, but can't get thru no call back feature on their telephone system tryied to chat on their online system, but no response sent letter to close account and transfer funds on XX/XX/XXXX, but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have found fraudulent accounts that was opened on my credit report.

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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: ME

Complaint narrative:
On XX/XX/2022 I received a dunning notice from Receivables Performance Manage, LLC for an outstanding balance of {$78.00} that XXXX believes I owe them, plus {$19.00} in unspecified charges. 

I do not owe this bill due to the terms of my contract with XXXX, as highlighted in the copy of the complaint that I attach ( XXXX ). 

Due to the threats by XXXX XXXX to ruin my good credit, I sent them a check for {$78.00}, the receipt of which is documented in the complaint I have with them. They have not cashed my check and it is my hope that if they do, I will be refunded {$78.00} after they review my complaint. According to your website, they have not yet reviewed the complaint. 

Now, Receivables Performance Management LLC is dunning me for the same amount plus unspecified extra charges of {$19.00} I have been unable to reach Receivables Performance Management by telephone during their specified " Open Hours '', and they have not returned my call.

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
While using my atm debit card in XXXX, I noted that the currency conversion was not taking place. I contacted chase and they began to close my account. I have filed a case with the FDIC and OCC and have not recieved a proper response from Chase nor recieved the access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I have a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX. These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Cleared funds on a check that was fraudulent with out actually receiving fund and are asking me to pay for there error

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i asked the company to investigate these inaccurate and incomplete for these accounts : XXXX  XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXX, the date of last active is inaccurate, and the balances 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