vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MO

Complaint narrative:
This is from a phone company of XXXX, they sold a phone that was outdated to began with ( without 5G ), I paid this company for the monthly bill of over {$70.00} a month ( take a look at my credit cards for those charges ) for 11 months, but was never able to even connect to the internet ( photos have been sent to the company, XXXX of phone saying " NO INTERNET CONNECTION '' ; as well as the Missouri Attorney General ). They claim I was under a contract and liable to pay, but the phone sold was out of date ( NOT A 5 G ), and would NOT connect to the internet. They claim I owe them {$170.00} in which I will NOT pay for a service NOT rendered. This phone company left me in below zero temps without phone service and NO heater in my auto. I owe them nothing ; they owe $ $ $ $ $ thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I found inaccurate information in my EQUIFAX credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/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 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX I was alerted by Bank of America for fraud activity on my account. Once I told them I wasnt the one who made those transactions my account was froze/closed. I told them my check was going to be deposited into my savings account XX/XX/XXXX. I was told by BOA that my check most likely would be rejected because the account was closed. That turned out to be a lie my check was allowed to go into my savings account. I was in constant contact with BOA fraud department trying to get my money. I was told the investigation end date was XX/XX/XXXX. While waiting for updates on the investigation I discovered someone hacked my XXXX XXXX account and was trying to take {$1500.00} from my bank account. I informed the bank but there wasnt much done with that information. Up until this point my savings account had {$1200.00} and my checking had about {$30.00} or {$40.00} dollars in it. Today when I talked to them ( XX/XX/XXXX ) They told me my checking account was negative {$1500.00}, which was the exact amount that the person tried to take from me via XXXX XXXX I told them over and over again the transactions were not made by me I have proof of it. They told me the money in my savings account was going towards the negative amount in my checking account. I argued with them about how it wasnt fair that I was being punished for fraud activity in my account. Im having to pay for transactions that wasnt made by me. A whole paycheck is gone because Bank of America wont refund it to me. I have been through this month long process in hopes that I would get my money back just to find out BOA is keeping it. Also how could someone take {$1500.00} from a account that never had that much to begin with?

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 monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I attempted to reaolve this issues throught the Experian App feature of Disputes. Reported the following accounts never opened under my consent. Fraud per Credit Agency and Unavailable to correct my credit score in timely manner. 

XXXX XXXX, Credit Card and XXXX XXXX XXXX Credit Card. ( Reported XXXX XXXX XXXX ) Yet, institutions chose to rely on me the burden of Charged Off. When I had had all excellent credit up until then. 

All reports started since XX/XX/XXXX. 

After not seeing the credit cards deleted I reopen new disputes on XX/XX/XXXX. 

Again, no corrections were made but only possibility of adding a Statement. 



Following Credit Cards I never opened : XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX Bank Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company keeps lowering my score every 2-3 weeks with the same bogus information. All other credit score companies have me at XXXX, soon as my school loans were closed. Equifax drop me XXXX points saying I have 3 debt with late payments from 5 years ago, when 2 weeks prior I was at XXXX with XXXX They are a pure scam company.. The same company that messed up over 2million people last year, they refused to fix the problem saying it is the lenders fault, when it is the same information since two weeks before that they used to move my score to XXXX. They keep changing the score of people to negative when we have a good or excellent stand with the two other compnaies XXXX and XXXX. using the same information..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NY

Complaint narrative:
I signed up for AutoPay on my federal student loans to benefit from the .25 % interest rate reduction. On my Income Driven Repayment plan, I am supposed to pay {$100.00}. I signed up on AutoPay to pay {$100.00}. I received a billing statement from Aidvantage telling me that they would be withdrawing {$270.00} from my bank account. When I go onto their website and look at my Auto Pay, it tells me how much I am going to pay on all of my loans, and that total adds up to {$100.00}. At the top of the window, it says " Amount of {$270.00} transfers on the XXXX of the month from Bank Acct XXXX {$170.00} is an additional payment above your Monthly Payment Amount. '' I did NOT authorize {$170.00} extra. I can not find anywhere in my account that says I did. I reached out to Aidvantage, who kept insisting I authorized it. I insisted I did not and they finally did a " view '' option that allowed them to see what I see, which is that there is no record of {$170.00} extra being authorized on my account and thus no way for me to change it since I never OK 'd it in the first place. The Aidvantage employee had XXXX explanation for this and merely submitted a " research request. '' When I followed up today, a week later, all an Aidvantage employee ( XXXX ) would tell me is that the research request is due to be completed tomorrow XX/XX/23. She said they would mail me a letter with the findings. My Auto Pay is set to come out XX/XX/23. I asked how they intended to solve this issue and how this could be prevented, and all XXXX would say was that the research request would be finished XX/XX/23. When I asked her to confirm that her company would not be committing a crime by pulling funds unauthorized from my bank account, she refused to answer me and disconnected the chat. Unauthorized withdrawals from a bank account are a crime both under federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: EdFinancial Services
State: MA

Complaint narrative:
Bill pay from XXXX  XXXX XXXX has been sent to XXXX TN almost 3 months ago. Payment has been Cleared by EdFinancial Services.

Account number was written on the Check. Please apply payment to the correct account ASAP. Why has the Account NOT been Credited? 
As of Today XX/XX/2023 payment has NOT been Posted on the Account Account # XXXX Interest started accumulating. see below payment and check XXXX  Payment of {$130.00} Check XXXX XXXX was issued on XX/XX/XXXX from XXXX  XXXX XXXX and cleared on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: MD

Complaint narrative:
I contacted all three credit bureaus to validate this debt. World FinancXXXX did not reply to the debt validation request. This debt is beyond the statute of limitations to collect and will reach XXXX to report in XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
on XX/XX/2018 i was to receive two direct deposits from a company i had done work for. neither appeared in our account. contractor we did work for provided proof that the deposit had been made at wells fargo. someone internally at wells fargo changed our email and account number and the money was deposited into someone else 's wells fargo account in another state. there were 2 deposits. one for {$4900.00} and one for {$10000.00}. we contacted police in our town and Detective XXXX XXXX responded. ( case # XXXX ) they put in a report with the U.S. internet complaint center. We contacted wells fargo many times. we also contacted the wells fargo in minnesota and they said they would not reverse the deposits. we wrote numerous letters to wells fargo including customer ser.vice and the president of the bank. they said there was nothing they can do. the us internet complaint center provided us the routing number of where it was sent at wells.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Unethical business practices - I opened an account with XXXX security. Rather than pay for the equipment upfront, I chose to finance with them. I had no choice but to go through Fortiva which financed equipment in that area of Texas. I did not want Fortiva because I had never heard of them. Then, I get a report from the credit bureaus that I had a new account opened. Further, that my credit score dropped over XXXX points. I call and find out that they converted my RETAIL ACCOUNT to a CREDIT CARD. I told them that I DID NOT APPROVE this. I was told they emailed me a notice that I had to " opt-out '' if I didn't want to convert. I NEVER received it. Further, I confirmed that they had the wrong email address. The account was setup with XXXX. XXXX had the correct email and had the correct email since I opened the account. So, someone with Fortiva keyed it in incorrectly. Therefore, I never received this notice to " opt-out ''. I asked them to convert my account back and remove that new account inquiry from the credit bureau, they refused. It is unethical to send an email like that. The appropriate thing to do would be to require an " OPT IN ''. They want to email you so they can have it go to spam and you miss it. They should have mailed a letter or called as well, NOT EMAIL! 
They have added their awful credit card to my credit history, and it has created a MAJOR PROBLEM WITH MY CREDIT AND CURRENT BANK. They still refuse to admit their business practices are deceptive and unethical. This is a second-rate, basement, bottom of the barrel firm, deceptive business practices, and they do NOT care about customers. In addition, I also issued them a cease-and-desist letter to stop all the harassing phone calls about the collection of payment now on this now credit card, that I never asked for. They have violated this request multiple times even after confirming receipt of the letter. they continue to call me every day and leave voicemails with an intent to harass me. This is a clear violation of FDCPA Regulations. Please assist with having this credit card reporting converted back and removed from my credit report. I would also like the FDCPA violation addressed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Self Financial Inc.
State: NJ

Complaint narrative:
PAY FOR DELETE REQUEST XXXX XXXX XXXX XXXX XXXX XXXX, NJ,XXXX Date : XX/XX/2023 RE : IN REGARDS TO THE FOLLOWING ACCOUNT Account Number : Original Creditor : Self/Lead Bank Amount Listed : {$96.00} Dear XX/XX/2023, I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$96.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. 
However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, XXXX, and XXXX XXXX Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 
If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days.

Feel free to contact me through one of the following : E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
At XXXX on XX/XX/28 I received an email from BofA saying your credit card will be mailed to you in the next 7 to 10 days and a 2nd email saying " Welcome to Online and Mobile Banking ''. I never applied and don't have a relationship with BofA. 

I connected BofA via XXXX and got a direct number for the fraud department. Then closed the unapproved account. Then I asked for what info was used to apply for the account. They told me they will send me a form to get that. 

I also froze my credit report at all XXXX credit agencies and filed a police report. 

Now I have to wait to see what is next.

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 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
It has come to my attention, that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has transfer an account to United Collection Bureau INC Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. United Collection Bureau INC is refusing to discuss my concern about their acct # XXXX, balance {$350.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Company will not provide contract and is past 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company will not provide contract and is past 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I had a loan with one main and was charged more interest on add on features. I wanted those taken off and they were not. The loan has now been paid off but the interest for those add ons was unnecessary and caused an increase in payment monthly and with higher interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief