vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian -XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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.

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 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX, I discovered I was eligible for a refund of all payments made to my federal student loans between XX/XX/XXXX and the present. I called Aidvantage that day, requesting a refund of {$10000.00} ( the total of the three payments I had made during the forbearance period ). I was told my request would be processed and I would receive a direct deposit within 4-6 weeks. After not seeing an update, I called XXXX to check on the status of my refund, where I was told my refund request had been approved on XX/XX/XXXX and again would be processed in 4-6 weeks. On XX/XX/XXXX, 5 weeks after my request was approved, I called to check on the status as I had seen no updates. The customer service rep told me my request was put in on XX/XX/XXXX and would take 8 weeks to be deposited. Aidvantage has straight up lied to me about the dates in which my refund request was processed and the timeline for how long it would take, and I have heard of others who have received their refund already despite requesting much later than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Home Loan Center, Inc.
State: TN

Complaint narrative:
I received a notification from XXXX that LENDING TREE ran my credit without my consent, knowledge, permission. I have no made any attempts to open an application with this company. They have my information and are using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX someone Zelles themselves {$250.00} from my account to theirs. Promises to provide services to me because their intent was to add their information only not send the money to their account. 
XXXX services still not provided. Owner says just call your bank and say I never gave you the services & you will get your money back. Dont tell them I sent the money to myself or my business account will be flagged. I call Chase Bank they say they can not file a dispute because I did not receive services. 
XXXX contact chase bank to let them know this person sent the funds to themselves and promised services but I never received them and person is refusing to send a refund. Chase says they can not reverse transaction because I have phone to person. I only have phone to person to enter their XXXX info because they said it changed I never agreed to pay for services before hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a AFFIDAVIT OF DEBT VALIDATION REQUEST by certified mail I followed up 28 days later with a NOTICE OF CEASE AND DESIST letter because none of the requested documents were sent by XXXX  I am not refusing to pay debt I am simply asking for proof of claim

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 2022-10-06 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: Central Portfolio Control Inc.
State: TX

Complaint narrative:
A collection appeared on my credit report without my consent from a collection agency central portfolio in the a amount XXXX on XX/XX/XXXX XXXX then reached out to the collection agency to inquire more about the bill and asked why was this bill put on my credit report without informing me or without my writing instructions.I then requested the original itemized bill of me signing or agreeing to this amount. The collection agency then replied by stating the collection was bought by a third party and they cant provide me an itemized bill. They also stated that the company where the original service took place is closed, so there is no way of providing that information and as long as the third party verify it then it stays on my credit. I then stated to the collection agency that I dont have a XXXX bill from the company and they said its nothing they can do basically. 
In Accordance with the Fair Credit Reporting Act XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The Collection Agency is Central Portfolio acct # XXXX collection is being reported on my XXXX and XXXX credit report. The collection agency also stated that the bill is from XXXX and they have no way of getting the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TN

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. 
XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than record of comradiarmac which 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. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all 3 agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd.
State: UT

Complaint narrative:
I believe I am an " Affected Consumer '' as described in the Consent Order in CFPB File Number XXXX - In the Matter of Cottonwood Financial Ltd. XXXX XXXX Cash Store. In short, I obtained a loan from the Cash Store in 2018 and was making payments, but without notice the Cash Store closed its store where I was making payments, and did not provide any notice of the closing of the store or where to make my payments after the store closed. I was willing and able to make payments but did not know where I should make payments, and as I said, did not receive any notice of the closing of the store or where to continue making payments. A few years go by without any notice from the Cash Store, then suddenly another company, including perhaps XXXX XXXX or its predecessor in interest, begins calling me, my friends, and my family threatening being arrested and a lawsuit. Not once did they indicate what the debt was or to whom it was owed. They just continued to harass me and my family, making threats of being served and going to jail. When making calls to my friends and family, the company disclosed of my alleged delinquent debt. 
Then, as of XXXX of this year, I was sued by XXXX XXXX, a case still pending. I believe I have a claim against XXXX XXXX or its predecessor in interest for the above unfair collection practices. As described in the XXXX XXXX of the above XXXX XXXX. XXXX, I believe my current case is a " XXXX XXXX XXXX '' because it's based on the same facts as described in the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Funds were wired from the state over 30days ago my mortgage servicer is not applying my funds in a timely manner and has me in a forbearance rather than posting my payments to bring my account current and report current accurately to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My account had multiple withdrawals by a company named XXXX that withdrew money and then modified the amount of money that was withdrawn. It also stopped me from withdrawing my own money when it said I was allowed to do so at any time. 

The company violated the rules of the ACH Network by fraudulently withdrawing funds and then altering the amount withdrawn. It also performed false advertising all of which was in violation of ACH Network rules. When contacting Capital One to resolve the issue and filing multiple complaints with them, Capital One always responded on the last day of the allowed time and declined to resolve the issue. Capital One took fraudulent paperwork provided by the company XXXX to call these transactions authorized and refused to look at any of the documentation I provided in my rebuttal that clearly show a violation of the ACH Network rules. 

Several banks have come to the conclusion that XXXX fraudulently withdrew money from customers accounts including Capital One in certain cases. However, even after proof was provided of other banks refunding money to their customers because of the same issue, Capital One has not refunded my money and consistently denied my claim. 

I also filed XXXX complaints and provided these to Capital One but all of these were completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I would like the fraud alert associated with my credit across XXXX, XXXX, and Transunion.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I would like the fraud alert associated with my credit across XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2022 I called Equifax to obtain the status of a dispute. The next morning, I received an email stating an Equifax XXXX XXXX XXXX from Equifax on XX/XX/2022 my address was updated the address on your Equifax credit report has changed. 

New address : XXXX XXXX XXXX, XXXX, GA XXXX Previous address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I never changed my address on the call from XX/XX/2022. I called three times Thursday morning XX/XX/2022 to correct the problem. The 1st time I was hung up on, the 2nd time I was transferred to the survey and the 3rd call I requested a supervisor the agent placed me on hold for 10 mins and never returned to the call. I would like to have my address as XXXX XXXX XXXX, XXXX IL XXXX. I have never lived or resided at XXXX XXXX XXXX, XXXX, GA XXXX, this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was contacted by mail about a student loan consolidation service by a third party named XXXX XXXX who claimed to be affiliated with the US Department of Education. I beleived them to be legitimate with the way they presented themselves but after further investigation they are a scam either way I am already out {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: NY

Complaint narrative:
I had two loans with Key Bank. One ending in # XXXX and the other ending in # XXXX. I lost my job and was unable to pay said loans and agreed upon a settlement for both loans. I received letters showing the acceptance of the agreed settlement amounts. Correspondence regarding these loans and the settlement agreements were dated between XX/XX/2018 and XX/XX/2018. The settlement amounts were paid in full by check # XXXX in the amount of {$1500.00} and a direct withdrawal from the collection company for {$4200.00}. Even though these were paid in 2018 I still receive calls regarding these accounts. Each time I receive a call I explain the same scenario as explained above. Each time the research and find that my loans are satisfied. Every time I speak to a person that calls regarding this issue I request to be taken off the call list. Yet here I am years later receiving the same calls time and time again. I know that the calls are recorded they can listen to my requests. I don't want to receive these calls any longer. It feels like harassment. I have made the same request again and again. 
I am concerned that if they are still calling me that it is showing on my credit report and negatively impacting it. 
I would like the matter resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.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 2022-10-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.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 2022-10-06 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:
In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX # XXXX Account : XXXXXXXX XXXX # XXXX Account : XXXXXXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX  # XXXX Account : XXXX XXXX XXXX  # XXXX Account XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX  # XXXX Account : XXXX & XXXX XXXX # XXXX Account XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal is refusing to release funds after terminating my account with no explanation. I need these funds for survival and none are subject to any potential customer chargebacks which is the only legal term they should be holding funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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