vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: MI

Complaint narrative:
I applied for PSLF forgiveness in XX/XX/2021. I requested my payments made during the COVID pause to be refunded to me from XXXX and MOHELA ( once I was transferred ). I did not receive the refund and am now being told I will not because my loans were forgiven. However, I made the request before the loans were forgiven. Also, they did not count my payments made to XXXX from XXXX, which would have given me 160+ payments and qualified me for a refund. XXXX had me listed as in school, which I was not, I was in repayment. When I asked for these to be fixed it was changed to Administrative forebearance. They are only listing me at 120 payments and not counting those years. The amount of money from the Covid refund alone is {$12000.00}. It is not insubstantial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  All made Hard Inquires on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX All made Hard Inquires on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd
State: MO

Complaint narrative:
I have no idea what this company is trying to collect from me. This has been going on for several months. AT first they called about once a week and left no messages. NOW they are calling repeatedly from different locations every day and only leave a call back number that I can not get through to a person. It has reached the harrassent stage in my opinion since they started calling every day, several times a day, from different places yet I can't get anyone to send me paperwork on what this is supposedly for. It's really ridiculous that after I told them to cease and desist from contacting me any more. There is no way that I'm ever going to be able to pay for what ever it is and I would think the company can write it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I was trying to pay off my debt with midland credit management & I didn't have my account number so it had me put in my last name, my DOB month & year and the last four of my social security number. It then took me to a page about 10 % off the balance if you paid in full that day so I selected that option and put in my debit card information. After I processed the payment it then took me to an account page that was for someone that I do not know causing me to pay for someone else 's debt. I immediately called midland and voided the payment option on their website and filed an escalation that involves me not getting my money back immediately even though it had just happened and I immediately voided to payment. They could not explain to me why my personal information was going to someone else 's account & now I'm scared my information can easily be accessed. The company told me I had to wait 7-10 days for a solution & did not give me any answers as to why I couldn't get my money back right away when that account I paid on was not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX : I received an email from Capital One saying Ive been selected to check if XXXX pre-approved for a card. Since I have a checking account with them for many years, I decided to enter my information, and the system showed that I have been pre-approved for few of their products. Among those cards, I decided to apply for Venture card. And I got approved right away. 
XX/XX/XXXX : I received my credit card. I used it to pay global entry fees {$100.00}, and permit application fees from XXXX XXXX, CA around {$500.00}. 
XX/XX/XXXX : I received a voice message from Capitol One fraud protection, and they restricted my card. 
XX/XX/XXXX : I contacted the customer service several times. Finally, they told me I need to upload my SSN, 3 months bank statements, and my driver license. I did what they wanted me to do right away. Because I would like to remove the restriction, and proof XXXX the account owner. And this is not a fraud. 
XX/XX/XXXX : After reviewing the materials that I uploaded, they decided to close my account without even calling me to explain the reason behind this. 
XX/XX/XXXX : I received a mail telling me that my account has been closed since XX/XX/2023. I contacted customer service many times for membership fee refund. They all stated that the account was closed, so theres nothing they can do to help me with. If the company is not willing to return my annual fee, they need to fulfill their card benefit which is reimburse global entry application fee {$100.00}. Customer service representative told me they can not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX - Landlord set up my account with XXXX XXXX without my knowledge, only mentioned I needed to have electricity set up to move in. 
XX/XX/XXXX - Utilities were disconnected without notice. Spoken with a XXXX XXXX supervisor over the phone that because I did not set up the account, they would close the account and I do not owe anything. 
XX/XX/XXXX - Debt collection company Convergent Outsourcing called that I owe {$66.00} debt to XXXX XXXX. I tried to verify the debt but they were unable to do so. Due to constant harassment, I called up XXXX XXXX to pay the {$66.00} but they were unable to offer a receipt, although I have it recorded on my bank statement posted on XX/XX/XXXX. 
XX/XX/XXXX - Same debt collection company called again that I owe {$330.00} this time. I called up XXXX XXXX but they are still trying to charge me for that account and sent the amount to debt collection behind my back, despite what the supervisor said on the phone on XX/XX/XXXX. 

Ridiculously petty and deceptively company XXXX XXXX and unprofessional debt collection Convergent Outsourcing always unable to verify any form of debt and constantly harassing me through phone calls even when I asked for them to stop. I do not want to make another payment again because it seems the utility company just kept asking for more by sending larger and larger amounts to a shady debt collection company.

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiBank sent me an email on XX/XX/XXXX stated that my CitiBank checking and saving account will be closed. Since then, I can not access my accounts anymore. There's still around {$16000.00} remaining balance in the account, and I called CitiBank on XX/XX/XXXX and their back office responded that the remaining fund will be sent via a mail check to me. 
Until today ( XX/XX/XXXX ), I still have not received the check. In XXXX, and XX/XX/XXXX, I went to the Branch several times ( located in XXXX XXXX XXXX, XXXX XXXX NY XXXX, and XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX ), and each time the banker can not find my fund no matter via their system or by contacting CITI back office. I also called Citibank customer service and back office, and each time they provided me with different responses, such as your fund has been sent via ACH to your bank account, or your fund has been sent via a check, or your fund is still being held with the bank, or you need to wait until 90 days after the closure.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you 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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE BEEN CALLING THEM AND THEY TELL ME THE SOMETHING ITS ACCRATE AND ITS IS NNOT. THIS IS THE PROOF FROM XXXX COMPANY. THIS IS CAUSING DAMAGE TO MY CREDIT.

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 2023-02-23 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: Westlake Services, LLC
State: NY

Complaint narrative:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

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 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I transferred monies ( {$4000.00} ) from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Commenity Bank. Unfortunately I misread the credit card number of the Commenity Credit Card account. When I did not see the transferred funds applied to my account, I contacted Customer Service and was told it could take 90 days to be applied. 

On XXXX XXXX I sent a message to Commenity Bank regarding this transaction along with the transaction details provided by XXXX XXXX. At this point I was informed that it would take up to 90 days for resolution and no interest would be charged on the disputed amount. 

On XXXX XXXX there was not response. On Friday, XXXX XXXX I placed a call to Customer Service and was told that I would receive a response within two weeks. Again, the 2 weeks went by with no response. And i believe that monthly interest has been charged on the disputed amount. 

I called again and was connected to XXXX ( operator # XXXX ) who escalated my complaint. 
It is now elevated to Senior Account XXXXXXXX XXXX XXXX. They said I would receive a letter in the mail regarding the resolution. 

On Monday, XX/XX/XXXX Commenity Bank will no longer handle the credit card transactions for XXXX XXXX XXXX XXXX. The credit card accounts will be transferred to XXXX XXXX. When I asked about the balance on Commenity card, I was informed it would transfer to XXXX XXXX would then have the balance. 

The next email correspondence, XXXX XXXX informed me that it could be another 90 days before this is resolved. 

I cannnot wait for 6 months to pass before this incident is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
So on XX/XX/2022 I saw a lot of hard inquiries in my XXXX which got my attention and my score drop a lot so I wanted you guys to help me with this problem due that I wasnt aware of all those inquiries. 
The companies were XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX and lastly XXXX. 
They were all in the month of XX/XX/2022. 
Now Im my trans union also saying I have 28 hard inquires which is crazy, Ill attach all of them in the pictures, this is so sad for me is not helping me for my future, I just wan na have a good score and be normal. 
Hope you guys can help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN CALLING THEM AND THEY TELL ME THE SOMETHING ITS ACCRATE AND ITS IS NNOT. THIS IS THE PROOF FROM XXXX COMPANY. THIS IS CAUSING DAMAGE TO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXXXXXX : Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXXXXXX XXXX XXXXXXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and FACTACT. 

XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, 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. It also states a consumer reporting agency can not furnish an 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 2023-02-23 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: CA

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
Based on my most current consumer report I have two late payments of 30 days or more reporting on my credit report from XXXX account # XXXX reported in XX/XX/2022 and Authorized user XXXX XXXX XXXX account # XXXX reported in XX/XX/2022. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Which means the consumer being me and the person making the report which is XXXX XXXX or XXXX XXXX XXXXXXXX. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX has reported late payments on multiple accounts ( XXXX  # XXXX ) and on which Im an authorized user XXXX XXXX  XXXX XXXX # XXXX ) and/ or Utilization of every credit card account on my credit profile which is an experience created by my credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. Please furnish the agreement that states I gave permission to have your reporting agency to publish my personal experiences and transaction history. I never gave XXXX written instructions to report anything to my consumer report, regarding late payments or utilization to be furnished to my credit report. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By XXXX reporting of these late payments/ Utilization my privacy and personal transaction history with each credit card company I have private business with has been violated due to XXXX have violated my consumer rights by allowing these late payments/utilization to report to my consumer report! I expect this matter to be handled in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm a victim of identity theft. Pursuant to section 605B you must remove the fraudulent addresses and accounts. I've atttached FTC filings, drivers license, SSN and a utility bill to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: AZ

Complaint narrative:
I'm a victim of identity theft. Pursuant to section 605B you must remove the fraudulent addresses and accounts. I've atttached FTC filings, drivers license, SSN and a utility bill to prove my identity.

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 2023-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2023 I opened an account with Citi bank at XXXX XXXX XXXX NY location both saving and checking. The banker requested new debit card for me. The first one, I never received it, so she requested the other one for me. Somehow on the 26 of the same month, someone used my lost Debit Card went to XXXX XXXX  NY location withdraw {$3300.00} total from teller, which I dont know how teller gave that person my money. And they used the card at ATM machine try to withdraw {$2000.00} cash. At that point, bank send me an alert. I called the customer service frozen my account and filed a claim about the money that they took. 
On the XX/XX/2023, Citi Bank send back a letter states that because that person used the card, my request was denied. 
Here I am filling a complaint against CiTi bank, without properly verify my information gave my money to other unauthorized person.

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