vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Last year I was notified that I have a collection reporting to XXXX and Equifax from a timeshare with a balance of XXXX. I have contacted XXXX XXXX XXXX ( on XX/XX/2023 and XX/XX/2023 ) and asked or some type of signature, ID, or anything that the person provided when using my name and social to sign up for the timeshare. The representative told me I have to file a police report and notify XXXX and Equifax. 
I then reached out and filed a dispute with XXXX and Equifax. I sent letters of dispute in XXXX, I waited 30 days and sent another in XXXX asking for validation that this is my debt. They responded, but they only sent a copy of my credit report, without actually investigating. I sent another round of letters on XX/XX/2023 and I got the same response. In my last response, I asked them to provide the name and business addresses of each individual with whom they verified the collection with, the date they contacted them, the method of communication, and a provided signature or identification they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: LA

Complaint narrative:
Last year I was notified that I have a collection reporting to Experian and XXXX from a timeshare with a balance of XXXX. I have contacted XXXX XXXX XXXX ( on XX/XX/2023 and XX/XX/2023 ) and asked or some type of signature, ID, or anything that the person provided when using my name and social to sign up for the timeshare. The representative told me I have to file a police report and notify Experian and XXXX. 
I then reached out and filed a dispute with Experian and XXXX. I sent letters of dispute in XXXX, I waited 30 days and sent another in XXXX asking for validation that this is my debt. They responded, but they only sent a copy of my credit report, without actually investigating. I sent another round of letters on XX/XX/2023 and I got the same response. In my last response, I asked them to provide the name and business addresses of each individual with whom they verified the collection with, the date they contacted them, the method of communication, and a provided signature or identification they have on file.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, 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 received an alert email from my bank on Sunday XXXX stating a lender checked my credit report AND verified my identity. After I accessed my bank 's mobile app, I found info on the lender and called Monday, XXXX To my surprise and relief a step answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation.She also informed meet was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. Mt complaint is with the person/people who attempted to use my info to procure a credit card!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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:
Hello I am requesting help with getting my student loan payments during the pandemic pause refunded as provided for under the CARES act. I recently had my loans consolidated and transferred to MOHELA for PSLF. Before doing that I requested with my previous servicer, XXXX, to claim the refund for the voluntary payments I made on my federal student loans during XXXX. They did not process the refund before the loans transferred to MOHELA. I then contacted MOHELA after they were servicing my loans and made the same request, knowing that I was eligible for forgiveness soon. Now MOHELA has XXXX my loans but I still have not received the refund for the covid payments. I requested the refund multiple times with both servicers prior to discharge and prior to any consolidation and have really been getting the runaround. I know that in the CARES act if a person requests their COVID voluntary payments on valid federal loans that they are entitled to those payments back. In my case it is a lot of money because I paid into the loans heavily during the pandemic pause since there was no interest and I was not sure if the PSLF process would actually work. It is something around XXXX XXXX dollars that I am entitled to under the CARES act for all the payments I made from XXXX to XXXX. That is not a small amount of money and I just want the benefit of the CARES act as provided by law. I filed a dispute case with the ombudsman for federal student aid on XX/XX/XXXX and after waiting over three months for a response I still have not been contacted by anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My middle class tax refund card was stolen. I gave have been trying to get the {$700.00} in fraud on my card reimbursed since XX/XX/2023. My claim was denied after an almost 90 day investigation. I have not received any documentation regarding my claim. I have asked numerous times for the denial notice and documentation associated with their investigation be sent to me. I have received nothing. I emailed an appeal on XX/XX/XXXX. When I called and asked for status I was told that nothing is being done with my appeal and no investigation is under way. I have been getting the run around for months. I have talked to several supervisors who have emailed the fraud department asking why my claim is denied and to send the documents to me but they never receive a response or send the documents. I would like the funds refunded 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 2023-05-30 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: NY

Complaint narrative:
A fraud dept called me, stated someone is purchasing {$750.00} of liquor and other products from different stores! 
All 5 companies I then spoke with and stores!

Each company stated ok!

Each bank supposed to cancel all credit cards!

Then send me new credit cards!

Not one of the banks canceled or sent new cards! 
I have called Experian, XXXX, XXXX and dispute all!!! 
Over and over with Police Reports to REMOVE ALL 5 ACCOUNTS FOR ERRORS AND INACCURACIES! 
PLEASE REMOVE ALL 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My business checking account had an unauthorized withdraw of XXXX $ in XXXX of XXXX. I have disputed the ach withdraw for the last year and a half with chase bank with XXXX XXXX XXXX  times of the claim being denied for different reasons. such as no police report, I then got a police report did not file with in time, we had reported originally with in their time frame. They also claim since we have received payment from another account at the merchant before that all transactions from that merchant are valid. I have a police report and documents at the city of XXXX XXXX  with the case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: MO

Complaint narrative:
I sent money via Walmart to Walmart to my mother and daughter in XXXX new york from XXXX  XXXX Missouri. My mother and daughter were unable to pick up the money at Walmart in XXXX and were never informed why. I have sent money this way for over 11 years with no problem. I had someone call me asking questions about the transfer, I began answering the questions and felt suspicious and asked the person I was talking to, to confirm who they were and I just was told a first name, person refused to tell me the company they work for, address, supervisor. So I refused to answer questions because I did not know who I was talking to. The person refused to provide me with any information as to the reason for the call so I confronted them and they retaliated by locking funds where I could not get the money even in person when I went back to Walmart the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was issued a credit card from XXXX about a year ago. I was approved for a credit limit of {$9500.00}. I paid more than my minimum payments that were due for most of the year without ever being late. I believe my balance will reflect that I paid more than the minimum amount due within the year I had my card with XXXX. 

About 3 months ago, XXXX sent me an email asking for personal information regarding my income taxes. I thought it was kind of suspicious, seeing that I had been my all of my payments in a timely manner. 

They sent me the email and before I could respond to their request, within a few hours, they blocked my credit card. They never even gave me a chance to respond before initiating a block that caused me unnecessary inconvenience and embarrassment, as I had tried to use my card in the interim. 

Since they have blocked my card, I have made 2-3 timely payments and they informed me they were closing my account. Needless to say, this has affected my credit in a negative way even though I have never been delinquent with XXXX. 

I believe this is unfair because had they given me time to respond, I would have and we would never have had an issue. I did get very upset and was very slow and never did respond to their request for more information because I felt I was not being treated fairly. 

Please let me know if there is anything you can do to offset the already published views of my other creditors for being cast negatively, even though, I have never been late with this or any of my credit cards.

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 2023-05-30 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity bank processed my info to someone who stole my identity and issued an account for XXXX  XXXX  in Ohio this is identity theft not me. Account opened XX/XX/2023 XXXX owed {$690.00} I have called comenity bank to file fraud activity.i have frozen my credit with all 3 bureaus Comenity capital bank XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
I've been back and forth with XXXX  XXXX in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.

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 2023-05-30 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: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I've been back and forth with XXXX  XXXX  in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Good afternoon, We opened a XXXX credit card up with Citibank in XX/XX/XXXX. We have never been late on any payments since the opening, in XX/XX/XXXX There was a one time payment made out of one of our two checking accounts with XXXX XXXX We did not realize that this one time payment change the payment primary account to this checking account. The payments had always previously came out of another checking account that is supposed to be the primary account for the payments. When we made a payment XX/XX/XXXX of XXXX the payment came out of the wrong checking account and was turned back for not enough funds. When we found out that this happened we let Citibank know and had every intention on correcting it. When we made a {$4000.00} payment on XX/XX/XXXX, we called to make sure that everything was OK but when we looked on the app it showed that this credit card was closed. When we called to talk to a representative we got a lot of runaround with who to talk to you, we were sent to security, account, specialist supervisor. They told us that nothing could be done until we receive the letter in the mail, stating what the reason why This account was closed. So we got the letter in the mail and we called back thinking that we would be able to address the reason our account was closed. That was not the case. We were then given the runaround again and given to an account specialist supervisor who then said there was nobody above him to talk to and that the account was permanently be closed. He said there was no way we could talk to a supervisor above him, and that the credit department receives no phone calls whatsoever. What our concern is that this was a mistake that happened one time and now our credit is on the line. We do not feel that this is a good business practice for credit card companies to be able to close accounts when there is no dialogue with the consumer, theres no appeal process with a consumer, A one strike youre out policy that directly affects your credit. Then they proceeded to tell us that they cant open that account back up, but we could apply to open a new account with them. We simply want the ability to speak with a supervisor, Or somebody at an admin level instead of being told that its a systematic response that Gives no ability to the consumer to have an open discussion with the administration of CITI to discuss the mistake that happened. This process does not give the consumer the ability to defend their credit. This would potentially be something that will be on our credit for the next seven years in the state of Oregon. 

Thank you, XXXX and 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 2023-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I opened an account with TDRetail in XXXX. I have encountered job loss and job change yet continued paying my account. I communicated extensively with TDRetail the entire duration of my account usage ; I formally requested hardship consideration to be able to pay my account off under the deferred interest period - request was for an additional 30 - 45 days. I received no response from TDRetail for over 4 months even though I continued to inquire regarding my request, I continued payments on my account. Finally, after several inquiries on my part and no response, then TDRetail denied my request. Once XX/XX/XXXX arrived and I had paid ~ {$2500.00} on the principal ( original purchase ) and ~ {$1000.00} in interest - I prepared a dispute of the remainder of the debt showing as exorbitant predatory interest, including in writing and verbally during phone calls that my last payment was my final as an accord and satisfaction. Now TDRetail is calling a mailing me incessantly, and negatively reporting on my credit. 



Getting a line of credit - TDRetail lowered my credit limit, now reporting negatively on my credit ( confusing advertising or marketing, credit denied ) Problem when making payments - Although I endured financial challenges I paid my account- I communicated extensively with TDRetail ( billing, privacy issues ) Struggling to pay your loan - Although I was in XXXX XXXX, I paid my TDRetail account ( payment plan, repossession, bankruptcy ) Problem with the payoff process at the end of the loan - TDRetail is charging my exhorbitant interest although I have paid principal and interest to finalize the debt ( refinancing, extending loan ) Charged fees or interest you didn't expect - TDRetail is adding exorbitant predatory interest charges to my account Problem with additional add-on products or services Problem with cash advance Credit limit changed - TDRetail lowed my credit limit Problem with credit report or credit score - TDRetail is negatively reporting against my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to 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 2023-05-30 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: TX

Complaint narrative:
I have notified XXXX and Experian several times that the XXXX XXXX XXXX and XXXX XXXX  accounts that they are reporting in my credit history, do not belong to me. Notifications to XXXX and Experian were sent XX/XX/2023, XX/XX/2023 and XX/XX/2023 via certified mail. I have not in any way received goods or services from these companies and I have provided my FTC Report, Identity theft Affidavit signed with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all XXXX and Experian. I have requested the original contracts from the original creditors, Experian and XXXX bearing my wet ink signature in which up to now, I have not received, and it has been more than 60 days since I requested this information.

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