vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a recorded message on XXXX day that an unauthorized check was being cased on my account. I was unable to reach anyone at Citibank because they were closed for XXXX day ( XX/XX/XXXX ). When I was able to get into the bank they credited me for that particular check in the amount of {$3900.00} and advised me to carefully look through my statements for other questionable checks. When I did this I reported 3 additional checks which were obviously forged. I was told to wait for Citibank to send me a Statement of Unauthorized Use for claims of Forgery, Alteration, etc. After that form arrived a couple of weeks later I immediately completed and returned it. Several weeks later on XX/XX/XXXX I received a letter that my claim was denied, even though the fraud/forgery was clear. 
When I first submitted a complaint Citibank claimed that they did not recognize me as their customer or their customer 's authroized representative. Really?

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 2023-10-23 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: LoanCare, LLC
State: NV

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end 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 2023-10-23 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: Harley Davidson Financial Services Inc
State: NV

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-10-23 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: PA

Complaint narrative:
have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-10-23 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-23 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: MI

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.

has violated my rights. Or a 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 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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I gave them an application for credit and they took my information and did not return the credits or give me collateral. 

15 U.S. Code 1691 ( a ) - It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction This is also securities fraud because they are trading my note on the secondary market.

According to 12 USC 412 Application for notes ; collateral required Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Before the covid repayment freeze ( and switching lenders to advantage ), the remaining principal was around XXXX XXXX Now the principal balance unaccountably shows as XXXX XXXX There appears to have been a mistake made at some point on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX IS BLOCKING MY SCORE. I have multiple positive accounts and no negatives but yet i can't see a score. My equifax shows BLANK. This is destroying my livelihood. FIX THIS IMMEDIATELY OR I WILL HAVE TO FILe A LAWSUIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, American Express has charged me {$29.00} late fee ( XX/XX/2023 ) and {$28.00} interest fee ( XXXX XXXX 2023 ). 

I contacted amex through their XXXX app chat feature and asked why these charges were placed. They told me that I was late on a payment, saying the payment is due on the XXXX of the month. I told them that I paid on the XXXX through my amex app. I asked them to waive the fees, mentioning that this was my first time receiving interest and late fees after about 2 years of using their card. 

They submitted a form internally to waive the fee twice and told me my waiver application was rejected. 
I've asked them to tell me the mailing address for amex so that I can send them a letter for a formal inquiring ( know that by law there are required to provide a response ). They refused to give me an physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MI

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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NY

Complaint narrative:
Total balance {$250.00} {$50.00} Late fee charged for XX/XX/XXXX rent. 
I mailed out two checks on XX/XX/XXXX certified mail. One check for rent, XXXX and water usage ( XXXX ) the other check for parking ( XXXX ). The checks were delivered on XX/XX/XXXX. They cashed the parking check on XX/XX/XXXX and stated that the bank rejected rent check. I called the bank who stated that they have no evidence of the rental company trying to deposit the check. My checking account has remained above the amount the check was valued. I asked them to resubmit the check but they mailed the check back to me with void written across it. I also tried to resend them a another check but XXXX told me that I have to wait until they send me the move out ledger. 

I send an email to XXXX XXXX on XX/XX/XXXX disputing charges. 
{$60.00} Smoke detector, carbon monoxide and 3 extra {$32.00} for XXXX XXXX XXXX XXXX XXXX ) I purchased a 2 in 1 smoke detector and carbon monoxide at XXXX on XX/XX/XXXX. I moved into the apartment on XX/XX/XXXX. I returned the smoke detector and carbon monoxide on XX/XX/XXXX and I moved out of the apartment on XX/XX/XXXX. They never provided any of these items. I never asked about it because I had my own. The lease have XXXX XXXX XXXX XXXX XXXX ) which is {$32.00} a month, I paid it every month even when it's not on the rent receipt. The lease never stated that the last 3 months before the lease terminate the XXXX of {$32.00} would double to {$64.00}. 
I also have a lawyer send them 2 letters and is about to send a third letter disputing the charges with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian correctly reports I opened an account/tradeline with XXXX in XXXX. However, the payment history reported is false/misleading/inaccurate, as there is XXXX ( XXXX ) payment history reported prior to XX/XX/XXXX. Experian is already reporting false/misleading/inaccurate information for XXXX and XXXX that shows inchoate payment status ( see CFPB Complaint XXXX ). Payment history for account/tradelines persist in credit files for at least seven ( 7 ) years. Failing to report payment positive payment history that existed prior to XXXX denies a consumer the opportunity to show potential creditors they had the ability to pay on financial obligations PRIOR to the beginning of the pandemic, which in XXXX can cause consumers to be denied credit and housing as a result, especially in cases where a consumer might be otherwise be approved upon request for reconsideration citing circumstances such as financial and or medical hardship, for example as RESULT of the pandemic. Thus, the " proprietary '' processes of Experian, which mysteriously causes years of prior payment history to be removed as result of unrelated disputes, unfairly disadvantages those indivdiuals that are XXXX, and/or women with small children, and/or are minorities, ie. those individuals that have been historically marigalized and as such are members of XXXX or more protected classes, and who were statistically more likely to experience financial and/or medical hardship during the pandemic. What Experian is doing is the epitome of discrimination. Overall, this account is not being reported with maximum possible accuracy because there is information missing for months prior to XXXX of 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 2023-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I do not have a contract with Eastern Account Systems. I am not liable for their debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
MOHELA 's poor managing of student loans is cause emotional distress and possible irreversible damage to future credit. 

On XX/XX/XXXX - I submitted IDR application for both lender XXXX and MOHELA. I also sent MOHELA a message on XX/XX/XXXX due to concerns about the XXXX being reviewed before my due date of XX/XX/XXXX. 

XX/XX/XXXX - XXXX emailed to notify that my application was received and approved. At this point I have not heard anything from MOHELA. 

ON XX/XX/XXXX MOHELA finally responded to the email I sent on XX/XX/XXXX and instructed me to submit an XXXX via Studentloan.gov. I panicked because I thought I submitted the application appropriately on XX/XX/XXXX. 

On XX/XX/XXXX at XXXX - I called MOHELA 's customer service number and chose the prompt to receive a call back once it was my turn in the cue because it was a XXXX wait. I never received a call back at all! 

On XX/XX/XXXX at XXXX - I called MOHELA and chose the call back when it's my turn in the cue ( wait time was XXXX mins ). 

XX/XX/XXXX at XXXX - I called MOHELA and stayed on the line while driving to work. After XXXX mins I decided to hang up due to work obligations. 

XX/XX/XXXX at XXXX - I called MOHELA and after XXXX they hung up on me. 

XX/XX/XXXX at XXXX - I called MOHELA and waited a total of XXXX hours and XXXX to be helped. An hour and a half into this call I was able to speak to XXXX ( MOHELA rep ) for 5 mins who stated " we just received the approved XXXX today but won't reflect until next month ) '' and then transferred me to another " agent '' to discuss possibly retroacting the new amount {$37.00} ( original amount due = {$1500.00} ). I explained that I could not pay that amount and would cause financial distress. I explained the above time lines to them and asked why XXXX was able to receive my IDR app so soon and they weren't? They responded that XXXX does not have as many accounts as they do and which is why it took so long to process my IDR. I asked if I could get an extension on the {$1500.00} amount and was informed by MOHELA that if I did not pay the {$1500.00} in full within 60 days then my account would be sent to collections. I asked for 90 days and she stated, " it's a federal loan regulation '' and declined to assist with an extension. 

The delayed response time to process the XXXX application, long customer wait times, and poor solution focused approach to assist people in financial distress is disheartening. " If you don't pay {$1500.00} in full we can't help you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are inquiries on my credit report that are not mine includingl : 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 2023-10-23 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: GA

Complaint narrative:
Ive disputed this fraudulent loan for years now, the loan is reported on my credit report with my SSN # and address but is not in my name. Its in my Deceased fathers name who had already passed away when the fraudulent loan was taken out in his name.

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 2023-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: GA

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 XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 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 2023-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
I received a collections notice for the amount of {$500.00} ; however, I have been on a payment plan for this debt with the provider and it is not late. I have already paid {$200.00} on the debt and am continuing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I realized on XX/XX/2023 that 2 unauthorized transactions were sent out of my account at PNC Bank. I quickly contacted PNC Bank to file a dispute. My disputes were denied on the basis that it was a transfer from my account at PNC Bank to my account at XXXX XXXX XXXX. PNC also stated that the transaction took place on a recognized device. I never opened an account at XXXX XXXX XXXX, nor do I do business with them. Upon hearing this news, I called XXXX XXXX XXXX for more information. Representative told me that they were not allowed to browse their clients accounts to provide me that information. I called the police to resolve the matter, and was referred to this website to submit my complaint. I have reached back out to PNC Bank and XXXX XXXX for more information, and I was unable to find any help for the money that was stolen. Between XX/XX/2023 - XX/XX/2023 there were 3 external transfers that were done from my PNC account # XXXX to a XXXX XXXX XXXX account # XXXX totaling {$4900.00}. However, in an email from the XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX stated that I was not the account holder of the recipient account.

Company response to consumer: Closed with explanation