vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
Self Financial is engaged in shady and unscrupulous business practices, defrauding vulnerable individuals of thousands of dollars, including me. I opened an account in 2021 and faithfully paid XXXX  each month until I reached a secured card balance of XXXX. During a questionable " review process '' my account was disabled and until I furnished all of the above, it would not be reactivated : photos of my social security card, driver 's license, debit card, paystub showing my SSN, and bank statements showing all of my transactions, not only those related to Self Financial. It is a complete violation of my privacy and absurd, considering none of these documents were required when I opened my account. I can only guess the nefarious activities behind the reasons they delay paying consumers THEIR OWN MONEY back. 

AVOID AT ALL COSTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: AL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase Sapphire card with Chase since XXXX. We had over XXXX travel points my wife and I were planning to transfer to a third party site to book a hotel for our upcoming XXXX  trip ( XX/XX/XXXX ). On XX/XX/XXXX, I was told by a Chase representative we need a Chase Reserve Sapphire or Chase XXXX Sapphire card, as opposed to by standard Chase Sapphire account, in order to transfer the points to the third party site. The Chase representative told me she could covert my standard Sapphire account to a XXXX, but she could not honor the new customer XXXX point bonus offered by Chase. I was told that if i closed my Sapphire account, though, I could apply for the XXXX or Reserve Sapphire accounts. I did and was denied credit due to an existing " Sapphire '' account. I called back and was told by another representative that I would have to wait 24 hours for the old Sapphire account to be removed. I waited and reapplied, but was denied credit for the same reason ( existing Sapphire account, which now showed " closed '' under my XXXX account ). I called again today, XX/XX/XXXX and was told I had to wait XXXX business day after my account was closed. Since it was one business day, I went ahead and reapplied. This time I was denied because I applied for credit too many times. I called Chase again and requested a XXXX who said he would file a " formal '' complaint on my behalf. Nevertheless, that was his only remedy since he could not reopen my old Sapphire account and/or covert it to a XXXX XXXX account. I was told I have to wait 45 days, not 24 hours or 1 business day. I was told different information by several Chase representatives, which now jeopardizes our XXXX  trip that we needed to points to book at the hotel we were planning to stay at. At this rate, in 35 days I will undoubtedly be unable to secure the hotel room or even inferior hotels with out hard earned points based upon the bogus information I received. I would like additonal help in this situation as Chase appears unable to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: GA

Complaint narrative:
According to the Family Educational Act of 1974 which states " educational institutions are NOT allowed to share information with third parties ''. Reporting agencies are 3rd parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: OH

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within three days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXXXXXX XXXX  XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX XXXX -- -- HARD INQUIRY on my credit report XXXX XXXX Bank -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXX XXXX soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXX. XXXX XXXX XXXX -- -DENIAL LETTER XXXX. XXXX XXXX  -- -DENIAL LETTER I tried disputing all these inquiries through Trans Union XXXX XXXX and XXXX XXXX XXXX XXXX and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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:
On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within XXXX days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXX of XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXXXXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX XXXX -- -- HARD INQUIRY on my credit report XXXX XXXXXXXX XXXX -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXXDENIAL LETTER soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXXXXXX XXXX XXXXXXXX XXXX -- -DENIAL LETTER XXXX. XXXX XXXX  -- -DENIAL LETTER I tried disputing all these inquiries through XXXX XXXXXXXX XXXX Equifax and XXXX XXXX XXXX XXXX and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
I submitted my Public Service Loan Forgiveness application to MOHELA on XX/XX/XXXX. I waited patiently for the company to acknowledge receipt of my application, verify my ECFs, and transfer my loan from XXXX XXXX to MOHELA. I have never received communication from MOHELA directly notifying me of the status of my loan. MOHELA verified and accepted all of my ECFs on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX notified me by email that the XXXX XXXX XXXX had approved transfer of my loan to XXXX, since XXXX XXXX was ceasing operations. I immediately called MOHELA and XXXX XXXX to check if I needed to do anything. Both groups let me know that I was still in the XXXX day period for MOHELA to transfer my loans to them and that all I should do is wait patiently. My loans transferred from XXXX XXXX to XXXX on XX/XX/XXXX. 

Once I was in the XXXX day period from my ECFs being accepted, I began to reach out to MOHELA. Representatives from MOHELA told me that they had sent a request to the XXXX XXXX XXXX to have my loans moved to MOHELA. On XX/XX/XXXX, I reached out to the XXXX XXXX XXXX to try to get more information. The Department of Education told me they had no information on my loans- other than that they were currently held by XXXX. They had no information/documentation of a transfer request. The XXXX XXXX XXXX told me to reach out to XXXX. I followed up with XXXX who told me they had no record of a request to move my loan from XXXX to MOHELA. On XX/XX/XXXX, I was advised to file a complaint on studentaid.gov and to reach out to MOHELA. I filed my complaint on XX/XX/XXXX. When I followed up with MOHELA I was told that they would put in a manual transfer request to move my loan from XXXX to MOHELA. 

On XX/XX/XXXX, XXXX followed up on my studentaid.gov complaint and informed me again that there was no documentation of a request for my loan to transfer from XXXX to MOHELA. I immediately called MOHELA on XX/XX/XXXX to insist on documentation of my transfer request. I was then informed that it will take an additional XXXX days once the request actually clears to get my information into MOHELA 's system. 

I am far beyond any reasonable timeline for processing my student loans and have no recourse or support to get things processed.

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 2023-06-20 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I was never late. I paid my first and second payment through my bank. Ally started calling me in XXXX along with letters demanding a XXXX XXXX even though my payment cleared my bank. I have paid every month up to date. Ally ordered a repossession of my vehicle unless I paid cash through a XXXX XXXX. They took my XXXX  to an Auction Site in XXXX Michigan. I had yo get an XXXX to go pick it up and pay cash. Ally keeps changing my credit file. And payment history. They add charges, late fees and dont explain what they are. I have all receipts of my payments. 

This is not right.

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 2023-06-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
By virtue of the AUTOMATIC STAY, Citibank is prohibited against any and all collection conduct which would violate the AUTOMATIC STAY. Violators may be punished for Civil and Criminal Contempt of Court with the imposition of statutory and huge punitive damages far exceeding any of your disputed claims. Stop prohibited collection activity!

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 2023-06-20 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: PA

Complaint narrative:
Experian is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires and most accounts reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if Experian does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I am aware of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX as the depositary for Experian. I will be filing form 211 treasury omb forms to audit consumers account. 
EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

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 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
The contract is fraud. I want to see the original contract and not a retail installment contract. Credit Acceptance corporation made subprime auto loans to Ohio consumers even though it knew the customers would be unable to pay, in violation of Ohio state law. Credit acceptance corporation company charged illegal fees, overcharged customers for deficiencies, and engaged in illegal debt collection practices.

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 2023-06-20 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : XXXX XXXX XXXX XXXX XXXX XXXX have noticed that this account is still being reported as having a payment history each month when it should not since this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 
As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 
Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 
Thank you for your attention to this matter. 
Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX, Inquiries : XXXX XXXX Inquiries : XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2023-06-20 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: TX

Complaint narrative:
I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. These inquires do not have any accounts attached to them on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
In XXXX we had a checking account at Wells Fargo and constantly had overdraft fees because they would put all of the withdrawals and debits through before the deposits and direct deposits so that we would have hundreds of dollars in overdraft fees. When my husband and boyfriend h complained, they told us that was policy. We eventually closed that account in XXXX because we constantly had issues with them charging us fees, and opened an account at another bank.

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 2023-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: MA

Complaint narrative:
My insurance, XXXX, said I had out of network privledges. 
I went to XXXX XXXX XXXX XXXX XXXX in XXXX, when I loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Yes... XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have pictures for proof. 
I didn't even know if the hospitals ran the charges thru my insurance. 
When I called, XXXX said they did not run the charges thru them. 
The next thing know, I was receiving bills from XXXX XXXX XXXX XXXX XXXX XXXX 
I set up an automatic payment with my credit card, Just taking for granted the bill total was acurate. 
It was an automatic bill payment for several years that I had paid. 
You can check on that for accuracy. 
Then, there was fraud on my credit card account, which stopped payment on everything I had set up on automatic payment. 
There was never a problem until then. 
I just took it for granted that this was what I owed. 
I called the hospital and they said that these totals had never gone thru my insurance. 
I said, " Then what the heck am I paying for? '' This is when I was glad the fraud happened. 
Otherwise, I would never have questioned the charges from XXXX XXXX XXXX XXXX XXXX XXXX 
Please help, for God 's sake!!!! 
These hospitals are getting away with XXXX!!!! 

XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation