vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I was using XXXX XXXX connection from XX/XX/XXXX. XXXX day, I visited the XXXX XXXX XXXX XXXX and saw an amazing offer for a mobile connection if you buy XXXX connections. I decided to go with the offer. They created my profile in their system ( XX/XX/XXXX ) and issued the XXXX card. After checking my wife 's phone, they said her XXXX was not compatible and the XXXX card would not work. They offered to trade in the phone for her, but I was not ready to upgrade at the time. Since only XXXX phone was compatible, I told them I did not want the service. However, they had already issued XXXX SIM card to me, and they told me that if I did not insert the XXXX card and port from XXXX, it would be deactivated after XXXX days. I asked them if they would charge me anything for the XXXX card, and the store representative said that no, I would not be charged. A month or XXXX later, I received a letter saying that I had an outstanding balance, and I was surprised why they charged me for XXXX connections. I went to XXXX for help, but they did not support me and asked me to call customer care. I told them my story, and they said that since I had taken the XXXX card, I had to pay. However, I had never activated the service, and they were still sending me invoices. After multiple calls with customer care and the billing department, they settled the amount, and my account showed a balance of {$0.00}. 
XXXX to XXXX months later XX/XX/XXXX, I received a letter from the Credit Collection Service with the following details : File Number XXXX XXXX XXXX Pin XXXX Site Name : www.ccspayment.com Creditor : XXXX  XXXX  Upon receiving the letter, XXXX contacted XXXX  's customer care, but they were unable to locate any records related to the issue since it had already been resolved. 
I consulted with some friends, and they informed me that I had likely received a fraudulent mail. After conducting a XXXX search, I discovered that the website mentioned in the email was indeed fraudulent. Consequently, I disregarded the mail, which I had received twice in XX/XX/XXXX. 
Yesterday, I noticed a decline in my credit score and discovered an entry for derogatory marks and collections ( XXXX XXXX XXXX {$200.00} ) opened on XX/XX/XXXX, in my XXXX XXXX report. 
Unsure of the appropriate course of action, I resorted to filing a complaint on this website after conducting a XXXX search.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My account was compromised I filed a dispute. The dispute came back paid. They reversed the dispute, but I went in branch to handle this matter.my account is in the negative because of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: MA

Complaint narrative:
On XX/XX/23 I was notified by Experian that I had received requests for my credit information from XXXX different companies. The companies were XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. None of these inquiries were made with my knowledge or approval. When I contacted Experian, I instructed them to implement all the necessary protections to freeze and lock my accounts. I would hope that you would reach out to the companies involved as well as the other XXXX reporting agencies to determine what is going on. 
By the way, I have filed a police report with the XXXX, XXXX. police department. The report number is XXXX. 
Please confirm that you have received this message and advise what else I should be doing to protect myself.

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 2023-11-30 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: NY

Complaint narrative:
i reviewed my consumer report and noticed that i had 7 accounts and 12 inquires that is not mine. consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. these accounts are not mine. i demand that these account be removed. 

ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have used my Citi Bank card for 4 different balance transfers. I knew that my first balance transfer would be due by XX/XX/2023, so I have been making an extra {$300.00} - {$500.00} payments ( on top of my minimum amount due ) for several months. Now that XX/XX/XXXX is just around the corner, I looked at my statement and expected to have a small amount to pay off for this balance transfer. 

I just spoke to Citi 's customer service and was told that they apply my payment to the balance transfer with the highest interest rate. Some of mine are at 0 % ( including the one due XX/XX/2023 ) and some are at 1.99 %. They have not been posting my payment to the balance transfer that will expire first. Which means, that there is no way for me to pay off that balance and I will be charged 25 %. 

The customer service guy said it was my fault for not reading the contract. I still feel that this is SHADY. He also told me that I could just pay it off on XX/XX/2023 & it would only have one day of interest. I can't pay {$2600.00} all at once! That's why I've been making extra payments- and why I needed the darn loan to begin with!

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XXXX at XXXXXXXX XXXX., an unknown person, " XXXX, '' called me and left me a voicemail ( which I have ) while I was at work, stating they were leaving documents from the county in my mailbox. I did not authorize this person to open/tamper with my mailbox. Upon getting home, I retrieved the paperwork from my mailbox, which also contained legally delivered mail, and saw it was a Summons for court without a file number. 

I do not recognize the plaintiff ( Portfolio Recovery Associates , LLC ) as any creditor I've entered an agreement with or have ever been in contact with, spoken to, etc. 
The paperwork is dated XXXX. According to public records, the lawsuit was filed with the county on XXXX. 

The paperwork left in my mailbox indicates they are the successor-in-interest to a credit card issuer and that I have 30 days to answer. I understand they should send me a debt verification letter within five days, which I have yet to receive despite them filing the lawsuit with the county and opening my mailbox illegally. I was also not granted 30 days to respond. The paperwork is dated XXXX ; it is now XXXX ; again, it was not left in my mailbox until XXXX. 

I understand this company has had a second judgment against them by the CFPB in XXXX of this year : CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. 

I also understand that opening/tampering with someone's mailbox without being a mail carrier or having been granted authorization to do so is protected by the 18 U.S. Code 1701 - Obstruction of mails generally. I will look into filing a complaint for this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: 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 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-01 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: 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-12-01 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: 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I already paid off all the amount I looking for refund of late fee XXXX XXXX because I try to pay before but the bank of America not listen to my instructions to collect the amount. 
they own me XXXXXXXX XXXX as reward but decline to give it to me back because they close my account. 
the main problem there are two methods bank of America can collect from my XXXX XXXX account one call XXXX regulars debit to my account they did this before and collect the money other electronic check not go through. 
I explain this many time to customer services bank of America every thing recorded but they not listen to me I want investigation

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The automated credit card payment system continues to collect payments unless it is manually terminated. If automatic payments were set up for {$5000.00}, BoA may collect {$10000.00} before stoping the payments by itself. Automatic payments must then be set up again manually or late payment fees will be assessed without intervention. This is not standard or acceptable automatic payment behavior for credit cards. All other credit card providers stop payments at {$0.00} and start again without manual interaction. This system steals interest, requires a lengthy call to request a refund, and drastically increases risk of avoidable late payments. Further, for the elderly, they may die before this is straightened out, leaving BoA with funds effectively stolen from their heirs. No justification was provided for these terms.

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 2023-12-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is continuously and knowingly reporting inaccurate, unverifiable information on my credit report and are in clear violation of the FCRA Sec 605 ( a ) ( b ). I have contacted them on numerous occasions with proof of identity theft and that my information was compromised in several data breaches, theirs included. I last made contact with Equifax XX/XX/23 and advised a representative that I obtained a FTC Identity theft affidavit and had begun to see fraudulent accounts removed by XXXX and XXXX and was advised that they don't accept any affidavit from the FTC and that I would need to file ANOTHER dispute. Equifax is showing their deceptive tactics by doing all to have me jump through hoops to get false information removed. I have mailed letters and copy of driver 's license and proof of address and proof of data breach to no avail. They claim to verify the information, yet all of my consumer reports are frozen. They have yet to provide proof that these accounts are in fact mine. My credit reputation has been seriously compromised and I am unfairly being denied for housing for my children due to these inaccuracies. As previously stated, XXXX and XXXX have begun removing the fraudulent accounts that could not be verified as mine. PLEASE assist me with having Equifax abide by the law. They have gone well over the 30-day time frame allotted by law to provide proof of debt and methods of verification. The following accounts are NOT MINE and need to be removed ASAP! I have to initiate another dispute however I have no confidence that XXXX will do the right thing at this point I have been attempting to rectify this for years. It is exhausting and embarrassing to be denied for accounts that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, Ohio XXXX & XXXX XXXX XXXX XXXX, Ohio XXXX is reporting incorrectly on this account. I demand that this inaccurate information be removed from my credit profile. I was a victim of identity theft on XX/XX/2017 XXXX XXXX XXXX. I sent Experian XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX copies of all reports several times, with no response other than verified that these items belong to me.. I have reported this on identitytheft.gov and also with all 3 credit reporting agencies. The two addresses have already been deleted from XXXX, and XXXX. This is a violation of 15 U.S.C 1681i ( 5 ) removal of all inaccurate/invalid credit. I demand that these items be deleted immediately. I have included my FTC Report credit report and documentation showing I was effective by the 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 2023-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: IL

Complaint narrative:
On XX/XX/2023 True Accord Corp added a derogatory mark on my credit report ( XXXX and XXXX ) per experian. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, True Accord Corp has violated my rights as a consumer and I am requesting legal action to remove this account 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 2023-12-01 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: IL

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have tried 4 separate times to pay my loan in a timely matter ahead of the due date and Aidvantage is not able to accept it. They have reversed my payment 4 times despite confirming my bank info. I have even signed up for auto pay and the company has failed to successfully withdraw the funds needed for the payment. My account is currently in the red and I'm receiving emails from the federal government stating I'm missing payments when I am not. It is 100 % an issue on their end that they are not able to correct. Aidvantage has a terribly inept customer service team and has not been able to rectify this matter for 2 months.

Company response to consumer: Closed with explanation