vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I took out a loan for {$3500.00} from Citi in XXXX of XXXX. I subsequently attempted to sign up to make automatic payments using my XXXX checking account. When attempting this on the Citi web site I was asked for the full number of an ATM card ending in ( 4 numbers ). I have no such ATM card. I called the Citi customer service line, held for over 30 minutes, and eventually and was told ( a ) an ATM card had been sent to me as part of my loan account and ( b ) they were unable to set up auto payments on line at the time and ( c ) no auto payments were set up at the time of my call. I don't know why an ATM card would be issued for a loan but I sat on this for a week before calling again this past weekend ( XXXX or XXXX ). This time I was told no ATM card had been issued with my loan and there was still a known problem setting up auto payments, and no auto payments had been set up on my loan. I therefore mailed a check for {$450.00}. Today I received a notice from XXXX that an automatic payment to Citibank had hit my account for {$450.00}, so apparently my attempt to set up auto pay WAS successful. This means I will have paid CitiBank {$900.00} this month, or 25 % of the total loan amount. I called Citi again this morning and was told there are autopayments set up for {$77.00}. and change. I asked to be transferred to loan servicing to have my questions answered and I was transferred to loan applications. They heard my story and transferred me back to the loan customer service department - the same department which has been giving a variety of answers for two weeks. It is my current understanding that I have minimum auto pays set up and that I can not adjust the amounts of those payments. Aside from the gross lack of training and complete inability to understand and answer specific questions about my loan from the people who eventually answer their phones, the loan is supposed to come without pre-payment penalty. That implies there are methods to pre-pay it, but I have been unable to find someone who can help me adjust my payment amounts to do so. I feel their process is unnecessarily complicated, and I have asked XXXX individuals by phone and one via social media messaging for a physical or email address to which I can address my concerns directly to CitiBank. Having failed to get a response, I am reaching out to you.

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 2024-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
We disputed the charge with XXXX XXXX XXXX. We understand from the insurance carrier that XXXX XXXX denied the claim as provider responsibility back in XXXX for no prior authorization per their contract. We were not billed services in XX/XX/XXXX. In addition, XXXX XXXX somehow got someone to reprocess this claim on XX/XX/XXXX which resulted in the {$2300.00} charge to us. XXXX XXXX submitted the claim outside of the allowed 120-day period pursuant to the XXXX contract XXXX As a result, an audit was done, and XXXX reprocessed the claim on XX/XX/XXXX again denying the claim as provider responsibility. 

Because XXXX XXXX did not follow proper procedures and its actions, or lack thereof, breached claim submission requirements, we do not owe this charge. Our XXXX XXXX states that the claim is the responsibility of the provider, XXXX XXXX. Since we are a party to the contract with XXXX, their determination also applies to us. 

We requested proof that XXXX XXXX had obtained prior authorization and they XXXX had invoiced XXXX in the prescribed time period. No response. 

We communicated this situation to XXXX XXXX which has chosen to ignore the facts and wrongfully pursues this collection through Wakefield & Associates , LLC a collection agency. We perceive this action as a tactic to intimidate and harass. We consider this matter closed. 

We communicated with Wakefield & Assoc in writing with the information above via Certified Mail # XXXX. The USPS confirmed delivery on XX/XX/XXXX at XXXX. We requested that Wakefield not contact us again. They have ignore the request. We continue to incessantly receive phone calls. Such conduct is considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is an infringement of my right to privacy as I never authorized this information to be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-10 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MA

Complaint narrative:
I did not authorize these fraud inquiries, these are 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 2024-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I've spoken to Aidvantage over the last several months advising I want to take advantage of the Parent Plus double dip option and given instructions on what to do. Feeling uneasy, I called several times and was told to do nothing and the DOE would give me instructions after XXXX. Still feeling uneasy I called a few more time and spoke with a rep who also engaged with a supervisor and advised I was " given incorrect information and she was glad the calls are recorded '' She told me I had to submit a paper consolidation and told me how to do it. She also said she had to put in a work order to have the Parent Plus loans separated. Thereafter the consolidation would put them ( Direct and Parent Plus ) back together and I would benefit from the double dip. This was last week. I called again Friday and was assured all was well. I called again today and they said my consolidation has been cancelled with error code 0. My question was what is the status of the work order to have the parent plus and Direct loan separated and she was not certain. I am now waiting for a supervisor to return my call within 48 hours. Time is not on my side and I am dealing with a company where the answer depends on who you speak with. They answer questions you never ask and frankly are not fully aware of how this Department of Education adjustment will work. Fortunately I am persistent however I feel for those that are not. Who is overseeing this? Their ignorance and incorrect guidance will be the reason I do not get my adjustment and that is not fair. Why are the allowed to service student loans if they are employing people that fully understand the process? Please I need some help before my time runs out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried with several companies to open a credit card. I have been denied everytime. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have income of XXXX XXXX. 
I have a XXXX XXXXXXXX XXXX loan that I pay XXXX XXXX a month on that does not show up on my credit report. 
My credit report has no negative information, and I have no late payments against me. 
I do not understand why I can not open one single credit card. 
XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I Applied for XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX and their denial states " Thank you for applying for XXXX XXXX XXXX XXXX. We are writing to let you know that, unfortunately, we can not approve your application at this time. 
Reason ( s ) for Our Decision Your XXXX score ( see below ) Information About Your XXXX Score We obtained your XXXX score from XXXX and used it in making our credit decision '' The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. 


VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of the Assistant Secretary for Public Affairs ( ASPA ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). 

The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.

Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain, unless one of the twelve disclosure exceptions enumerated in subsection ( b ) of the Act applies.

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 2024-06-10 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: NC

Complaint narrative:
I Applied for XXXX XXXX XXXX XXXX  and their denial states " Thank you for applying for XXXX XXXX XXXX XXXX. We are writing to let you know that, unfortunately, we can not approve your application at this time. 
Reason ( s ) for Our Decision Your FICO score ( see below ) Information About Your FICO Score We obtained your FICO score from Experian and used it in making our credit decision '' The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. 


VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of the Assistant Secretary for Public Affairs ( ASPA ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). 

The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.

Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain, unless one of the twelve disclosure exceptions enumerated in subsection ( b ) of the Act applies.

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 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this reflects deficiencies under 15 USC 1681, section 604. This section states that I have the right to privacy ( 15 USC 1681, section 604 ( a ) ( 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.

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 2024-06-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this reflects deficiencies under 15 USC 1681, section 604. This section states that I have the right to privacy ( 15 USC 1681, section 604 ( a ) ( 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this reflects deficiencies under 15 USC 1681, section 604. This section states that I have the right to privacy ( 15 USC 1681, section 604 ( a ) ( 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is an infringement of my right to privacy as I never authorized this information to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Recovery Systems, L.P.
State: AL

Complaint narrative:
Do you report this information to the authorities, or do you just sit there??? How are complaints to you, handled??? I have a VERY OLD XXXX charge from a XXXX XXXX XXXX XXXX XXXX. I had no insurance at the time, back in XXXX. I forgot all about it, and now all the sudden it pops-up on my credit report- this month and this year. ( XX/XX/XXXX ). It's over {$1000.00}. I'm on SSI and can't pay this bill. Is this legal? 

Also, there are numerous student loans on my credit report, that have been there, since around XXXX. They were placed on my report BEFORE I finished XXXX, having taken no break. This is ILLEGAL. XXXX XXXX XXXX XXXX placed them on my report. I have a letter from XXXX saying ALL my student loans are paid for by XXXX, because of my XXXX. I keep attaching the XXXX letter to XXXX, but they refuse to take the student loans off my report. I filed a new dispute a month ago, and have heard nothing back. I usually don't. I also spoke to them on the phone a month ago, about my name spelled incorrectly and addresses I've never lived, and was told they were changing the information " as we spoke. '' A week later, nothing was changed. My first name is NOT spelled with an S on the end, it's an A on the end. 

They have been jerking me around like this for YEARS. I've been trying to get this information squared away for YEARS, by filing dispute after dispute, after dispute. NOTHING on my credit report has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Do you report this information to the authorities, or do you just sit there??? How are complaints to you, handled??? I have a XXXX XXXX XXXX charge from a hospital in XXXX XXXXXXXX XXXX. I had no insurance at the time, back in XXXX. I forgot all about it, and now all the sudden it pops-up on my credit report- this month and this year. ( XX/XX/XXXX ). It's over {$1000.00}. I'm on XXXX and can't pay this bill. Is this legal? 

Also, there are numerous student loans on my credit report, that have been there, since around XXXX. They were placed on my report BEFORE I finished classes, having taken no break. This is XXXX. XXXX XXXXXXXX XXXX XXXXXXXX placed them on my report. I have a letter from Nelnet saying ALL my student loans are paid for by Nelnet, because of my XXXX. I keep attaching the Nelnet letter to XXXX, but they refuse to take the student loans off my report. I filed a new dispute a month ago, and have heard nothing back. I usually don't. I also spoke to them on the phone a month ago, about my name spelled incorrectly and addresses I've never lived, and was told they were changing the information " as we spoke. '' A week later, nothing was changed. My first name is NOT spelled with an XXXX on the end, it's an A on the end. 

They have been jerking me around like this for YEARS. I've been trying to get this information squared away for YEARS, by filing dispute after dispute, after dispute. NOTHING on my credit report has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have XXXX accounts with Affirm. I make monthly payments. XXXX payment is {$33.00} per month and due on the XXXX of each month. XXXX payment is {$18.00} due on the XXXX of each month. I made a payment of {$33.00} on the XXXX of XX/XX/year> through my XXXX XXXX  on line process. I can prove this with my bank statement and call center agents have verified that the payment was on the wrong account but they say they can't move it to the correct account. Affirm keeps harrassing me with Texts and emails to make the XXXX payment. I refuse to make a double payment on principal. I can't get anywhere with them and a supervisor hung up on me today after asking my name. They won't give me the owners name or address. I have had accounts with them for years and they obviously don't care if they lose me as a customer. My Bank said that they would reverse the payment and then I could call a payment in but that didn't happen. You are my last resort.If they ruin my credit I'm going to find a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX Pen Fed Cr un XXXX XXXX Imposed & charged our joint XXXX XXXX XXXX account with Fee - Uncollected XXXX in the amount of {$10.00} each XXXX TIMES ON XXXX without reason, without Just Cause- ILLEGALLY. 

That is Illegal, Unfair Financial Institution Practices & is extremely manipulative & extremely Deceptive!

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