vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: AZ

Complaint narrative:
Kickoff Credit has not complied with helping me with my account. This service is a straight scam. Ive contacted support but no one has helped me. My payments wont go thru because theres no bank account option for payment even though my account is connected and you dont take my card. I stated before that I need the missed payment off my credit report and I'm going to pay the balance off in full but no help. The missed payment was due to their companies lack of infrastructure for payments. My payments are still missed to this day because they won't accept my bank account or debit card. They will not help me with removing the missed payment which is diminishing my credit when they are supposed to be a credit building company. They stated they couldn't remove the payment but I know this is false. They just don't want to help people, they want to take your money and ruin peoples credit. I uploaded images showing that I am unable to pay with my bank account which is the only method they accept from me since when I try my debit card they say it's not accepted, I should not be held liable when customer service hasn't even responded to my email which is also attached because I was out of the country for over 2 months with barley any service and they would refuse to help me, what kind of credit building company doesn't help their customers when they need it the most and then they are negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed that some accounts on my report were not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
trans union is reporting accounts, with no creditor up date that the creditor is reporting to the c.f.p.b. as of XX/XX/2022. account XXXX  XXXX XXXX account reporting credit limitXXXX XXXX XXXX.on a I.R.S. forgiven debt, remarks charge off as bad debt, amount pass due $ XXXX accounts # ending in XXXX and account XXXX.accounts XXXX XXXXXXXX account bal. {$410.00} past due amount $ XXXX accounts ending in XXXX -- XXXX XXXX XXXX responded XX/XX/2022 that it reported to the credit bureaus to update those accounts with non-monetary relief. trans union have not did this. -- -- -also XXXX. sent a letter stated a 1099-c to account, XXXXXXXX  account ending in XXXXthis account is reporting with trans union with remarks, charged off as a bad debt.five documents sent by mail, today.ID complaint on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 a check was stolen from our vehicle. We contacted Chase to alert them checks had been stolen. On XX/XX/XXXX a forged check was processes and ( {$2000.00} ) funds were taken from my account. I contacted Chase fraud dept on XX/XX/XXXX to alert them the check was fraudulent. On XX/XX/XXXX I was asked to go into the Chase and sign an affidavit and it was filed XX/XX/2022. Chase asked for a copy of the Police Report for the break-in of the vehicle. The police report was provided. Chase then asked for details of the check be added to the Police Report. On XX/XX/XXXX updated police report given to Chase and now asking for a more detailed police report and the police have stated they have done all they can. When I ask what additional details Chase is looking forward they give no answer other than more detail police report. The Bank refuses to credit my account the {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Hello XXXX, I initiated a money transfer from XXXX to XXXX via western union for XXXX usd, XXXX # is XXXX it suppose to be transfer on XXXX XXXX, however they did not transferred the money and claim to be transferred in the XXXX bank XXXX XXXX XXXX I contacted them on XXXX and XXXX XXXX of XXXX  and they said it will be done today bit in fact it was never transferred. also their representative said that if the transfer docent goes they will refund me on XXXX XXXX. Today on XXXX XXXX when i contacted them they denied to do refund and they did not helped me. This is very urgent transfer and they are not doing any kind of transfer or any refund also please help me sir. I provided them a proof of money transfer where there is no money deposited in my receivers account. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: UT

Complaint narrative:
On XX/XX/2022 my employer notified me of a writ of continuing garnishment & instructions for wages to pay back a debt of {$1700.00}. Upon further investigation of my credit history and speaking to someone who helped me fix my credit, this is a debt I have NEVER been aware of, otherwise it would have been taken care of. It has not been on my credit history for the past ten years and I have no idea where they could have found this. The address the collection agency used was one I havent resided in for over ten years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Title 15 violations title 46 Violations. 15 usc 1666b timing of payments violations 15 usc 1666d treatment of credit balance consumer refund demanded. Delete all Delete negative utilization XXXX XXXXXXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
Over the past several months I have attempted to contact Fed Loan Servicing multiple times to ask questions about my loans. Each time I have called, I am on hold for no less than 2 hours. On multiple occasions I have finally gotten through to someone, only to be hung up on or placed back in the cue to wait hours again. 

The most recent instance of this happened XX/XX/XXXX, when XXXX, ID number XXXX, said she was going to place me on hold, and I was then sent back to the cue to wait another hour and a half. When I finally got a person on the line, she was rude and unhelpful, did not answer my question, and hung up on me. Her name was XXXX, ID number XXXX. 

I have multiple payments under PSLF that have not been counted correctly, and it has been impossible to speak with someone in advance of the XX/XX/XXXX XXXX waiver deadline. Additionally, Fed Loan Servicing constantly rejects or inaccurately reviews employment certification forms, forcing me to constantly call to fix it. For example, I submitted an employment verification form in XX/XX/XXXX that shows I have been working for my employer since XX/XX/XXXX. All of those payments were counted, except for XXXX XXXX XXXX with no explanation, other than utter incompetence. Additionally, in XX/XX/XXXX I was told I could make up for non-payments if I was with a qualifying employer during those dates. So I made a payment for XXXX and XX/XX/XXXX, and the XX/XX/XXXX payment was rejected. I have been unable to reach someone to ask why. 

I am requesting CFPB to connect me with someone who can review my PSLF and answer my questions, as well as correct the missing payments so that they show correctly and my payment count is accurate. There will be a new servicer soon, and I can only imagine the chaos we as borrowers will need to endure. We can not even trust the current servicer to manage the PSLF correctly, I imagine the transfer in servicer will not be a smooth one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I started working with the Citizens Bank , NA sometime in Late XXXX, XXXX  or Early XX/XX/2022 for my new single family Construction loan. That time, the bank asked me about all documents which I submitted in time. The Bank representative sent me an email on XX/XX/2022 stating the Loan has been approved and sent to processing department. At that time the loan was finalized for $ XXXX at 4.125 % interest for 30 years loan. Not sure what happened behind the door, and the Bank representative didn't submit all the documents I provided to them in their system. After a month I found out that the Loan officer working on my loan is leaving the Citizens bank and new person is taking over. The new team at the Bank informed me that there are bunch of documents missing on my loan ( which I already submitted to the bank ) - I argued with them how come the loan was approved if the bank was missing my documents. Anyhow, I resubmitted those documents asked and every time they ask for piecemeal information I have been submitting those within 1 business day. Just last week, the Loan officer email me that he was able to get me 4 % interest rate if I do loan for XXXX XXXX XXXX with no points. I agreed to him same day. Now today, I found out the loan officer left the Company and the representative mentioned, they need my bank statements and all again since the report date from my earlier submitted documents have been expired. Also she mentioned the Rare may also change. This has been frustrating and mental trauma with the bank. It is not Customer 's problem if Bank losses team members and they don't do their work correctly. The person working on loan has no sense of ownership or customer service sense. If I would have spent my time and money with some other bank knowing Citizens Bank is not doing their basic task, I would have saved my time and mental health. I spent money on Appraisal report for which I paid {$710.00} out of my pocket as needed by the Bank- which I would like to get refund from the bank as due to Bank 's inefficiency If I will have to take new bank it will be waste of money.

In short, I would like to file complaint about the monetary loss and mental stress provided by Citizens Bank for their inefficiency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
This form is being used to report unauthorized inquiries on my consumer credit report. I did not authorize these inquiries and I did not give permission to anyone/company to run my credit. I have an active Fraud alert activated on my consumer credit report, would like these inquiries deleted off my report due to Fraud immediately. 

XXXX XXXX  - date of inquiry XX/XX/XXXX TXXXX XXXX- date of inquiry XX/XX/XXXX XXXX - date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXXXXXX XXXX- date of inquiry XX/XX/XXXX XXXX XXXX- date of inquiry XX/XX/XXXX and XX/XX/XXXX and also on XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXXXXXX XXXX- date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX. 

Thank you and appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I paid {$7200.00} for a XXXX  XXXX fee which included {$2100.00} for post operative care. 

I had the XXXX on XX/XX/22 and needed urgent post operative care on XX/XX/22. However the doctors phone was dead and his answering service was unable to reach him. The Doctor failed to have a back up doctor on call in case of his absence. 

Therefore, I had to seek post operative care at the emergency room and was billed by the emergency room accordingly. Therefore, I paid {$2100.00} upfront for post operative services the doctor did not provide and requested a chargeback on such amount. 

The Doctor is blowing smoke screens saying I signed the terms and conditions for the XXXX and accepted the risk of complications. I do not disagree, however these points were not the issue of my charge back. My chargeback is centered on the Doctor not providing timely and reasonable care to address such complications and failing to provide adequate post operative care which was paid for but not received. 

XXXX seem to have a difficult time understanding such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NY

Complaint narrative:
I noticed that some accounts on my report were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NY

Complaint narrative:
I noticed that some accounts on my report were not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: OH

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.

US DEPT. OF EDUCATION/XXXX  Account Number XXXX XXXX US DEPT. OF EDUCATIONXXXX Account Number XXXX XXXXXXXX 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 an 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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was applying for a XXXX XXXX XXXX Credit Card XXXX The promotion from the XXXX XXXX website and was for XXXX bonus miles after spending {$2500.00} on the card over the first three months. When I received the card, it said that I was only granted XXXX bonus miles. I had many conversations with Citibank and they told me to send a letter with the original offer so it would be resolved. I received a letter dated XX/XX/2022 that I was not eligible to receive the offer because " the offer to receive XXXX bonus miles was not solicited directly to '' me. Why would they be advertising the XXXX bonus miles all over the internet if it was only eligible to those that were directly solicited, that makes no sense and if that is the case, it is extremely deceptive marketing. I called Citibank on XX/XX/XXXX to resolve this and they directed me to the small print on the offer that reads, " Your eligibility for a particular product and service is subject to a final determination by Citibank ''. This was the explanation, that since I wasn't directly solicited, this catch-all language meant that Citibank was able to change their offer to only XXXX bonus miles. This is not acceptable to me. I have excellent credit and there is no reason why I should not have received this widely promoted offer. Thank you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights.. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief