vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: TN

Complaint narrative:
These accounts are still on my report and needs to be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These accounts are affecting me from purchasing a home, car and providing for my family at full potential. Please have these accounts removed immediately. Thank you. 

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 non-monetary relief
Consumer complaint received 2022-08-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
These accounts are still on my report and needs to be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These accounts are affecting me from purchasing a home, car and providing for my family at full potential. Please have these accounts removed immediately. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Account XXXX XXXX has violated my rights. 


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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Account XXXX XXXX has violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have CONTACTED THE CREDIT BUREAU on multiple occasions regarding discrepancies on my account and they failed to comply with my demands, I am contacting you CFPB because pursuant to 15 USC 1681n ( b ) ( 2 ) I am a consumer and natural person and Experian, XXXX and XXXX owes me {$1000.00} per violation, for willful non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I notified my bank, Chase, that there was a fraudulent transaction executed via XXXX impacting my checking account. {$1800.00} was stolen out of my account via XXXX. The fraudster hacked into my my computer, into my account, created a payee, and immediately executed a zelle payment. I was notified by the Chase system after which I immediately called and notified Chase, as it still showed " pending '' on my online view. Chase said that they will investigate. Come to learn now that Chase has ruled against their customer ( me ) and has refused to protect me, and refused to credit the money back that was stolen. I pleaded with them that despite it technically showing it was done via my computer ( which must have been hacked into ) and from the normal location ... that I did not know the recipient ( payee ), never authorized the transaction, called immediately notifying ... and nothing in my history shows any transaction of this nature, this amount, nor payment to this payee ever ( thus was totally inconsistent with past payment behavior ) ... Chase refused to budge and still deny, support, protection and consideration for their customer. Thus refuse to credit back stolen funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX  XXXX Account number XXXX Experian violated my rights. Accordance with the Fair Credit Reporting ACT XXXX 15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/2022, I was notified via the Ally Bank mobile app that a large transaction totaling {$470.00} was made on my personal checking account via my debit card for an online purchase. I do not carry my debit cards and use them only for ATMs. When I'm not expressly going to an ATM, they're locked in a safe. Immediately I went into Ally 's mobile app and locked both of my debit cards. I called Ally and waited on the phone for approximately an hour and a half that evening to report the fraudulent charge. After reporting, I was told that an investigation would be opened into the charge and a resolution would be reached within 10 business days. 

New debit cards were sent. Following receipt of the new cards, fraudulent charges are still being attempted, but declined since I've locked the cards down in the mobile app. I reached out again via secure internal email on XX/XX/2022 for an update, but the message remains unanswered. 

I called again today, XX/XX/2022, XXXX business days later, to check in on the status of the funds being returned and found that the first representative had never actually initiated a dispute, so no action was taken. The representative I spoke with today, XXXX, has told me it's now disputed, however it'll take another 10 business days for a possible resolution, which was very frustrating. Ally could not tell me how the cards were compromised or how they continue to be hit with attempted transactions on the brand new cards, but judging from a look online, this is a recent widespread event impacting hundreds of people under the same circumstances with Ally.

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 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I called CREDIT MANAGEMENT on XX/XX/2022 regarding the negative collection reporting on my credit report. Told the representative that the original creditor XXXX had reached out to me earlier in the year and a supervisor told me that there was no contract but only policy. I told the supervisor that that made no sense. I called them a couple weeks later and the representative seemed like she was about to send a contract to me but said there was none. Now when I contacted Credit Management, the representative said I need to provide a credit card number in order to dispute the collection. I told him that did not make sense. He said he understands but that is how they do business. So that's why I am filing this complaint. I have tried with XXXX to understand this bill and have also tried with this debt collector

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had a Costco Citi card for about 5 years. During Covid, I was XXXX  and still managed to make payments. This account was maxed out and I paid the minimum monthly. I was in good standing with this card. I was even set up on auto pay. I recently started a job making more money as was able to begin paying all of my debt. I paid the full amount of {$3900.00} on this card and within a week they closed my account. I was told that they review accounts monthly, but why was it closed when I havent had any dings to my credit report in over a year and this card was I good standing. I am able to pay my bill monthly with no issues

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 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BELMONT FINANCE LLC
State: MS

Complaint narrative:
BELMONT FINANCE LLC at XXXX XXXX XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$2200.00}. The collection has been reported as pasted due balance. I do not know this company. This company does not have a contact with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Experian XXXX Account number XXXX This account have been paid in full and Experian reporting the account is closed! I have asked Experian to remove this account due to not reporting accurate information. 
Experian violated my rights. Accordance with the Fair Credit Reporting ACT Convergent 15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS has violated my privacy. Furnishing my medical bills without consent has made it impossible for me to extend credit for my every day household needs. ARS are not in compliance with the FCRA. As the consumer I have the right to opt out of having my private transactions added to public record. I was denied that right. ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
I do not owe this company anything, they bought this debt which is a violation of FCRA. 
They also are reporting an old debt as new EVERY MONTH. This is also a violation of my rights under the FCRA i am entitled to damages causes by this reporting. 
I would like to see documentation with my signature on it allowing them to acquire this debt. 
I would also like to see ALL the documentation that pertains to this debt. 
This debt is being reported as new every month which is a willful violation of my rights under the FCRA, I am entitled to compensation under the FCRA of 1970.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
XXXX XXXX XXXX the original lender who I got the auto loan from and their lawyers/debt collectors Roosen, Varchetti & Olivier LLC . 
On my credit report they have on their records the wrong amount owed which is double or almost triple according to my credit report. 
I have a court settlement for XXXX for which it was agreed upon that I pay XXXX dollars every month till the debt is washed. I have paid this every month on time and have receipts of each transaction. My amount owed hasn't changed and in fact has shown to have increased from when I first started paying 3+ years ago ( XXXX of XXXX  ). On my credit report it shows that I owe {$17000.00} On Roosen, Varchetti & Olivier LLC payment portal ( this is the company I make payments to as per the court and it states total due as XXXX which is false. Both of these companies are working hand and hand together. so I have no understanding why this is so incorrect, these companies are preventing me from getting my credit profile right and getting a proper loan. 
As of today with all of my payments up to date and on time I have paid XXXX if my math is accurate. I should only owe XXXX which is a very different # than what they show me to owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have two credit cards with Genesis FS. Yesterday I received a fraud text on my Milestone Card and Checked today on my Indigo Card. I have reported this issue top the company for each instance. They can not tell my why or how someone was able to change my address and email on their site on my profiles. Both credit cards mailing addresses were changed without my knowledge or approval to an address in Pennsylvania. The fraudulent information is : XXXX XXXX XXXX XXXX, PA XXXX Fraudulent email is : XXXX NOTE : This physical and email addresses are in no way affiliated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have Federal Stafford Loans with American Education Services. I reached out to them two years ago to ask them if my loans would be on pause, and if any payments would go towards the principal, due to the student loan pause implemented at the time. I was told " Please note that the loans you have with AES are owned by commercial lenders and do not qualify for any benefits mentioned by the president. The proposal for a 0 % interest rate is for Federal Direct and FFELP loans owned by the Department of Education ( ED ). Loans serviced by AES are bank owned loans and not owned by ED and are not included in the proposal. '' I am now very concerned that I was given incorrect information somehow. With President Biden 's recent decision regarding student loan forgiveness, I am concerned that I will not be able to have my Federal Stafford Loans forgiven because they are being serviced by AES. My loan details clearly indicate that they are owned by PHEAA XXXX XXXX, not a commercial lender. As far as I knew, Stafford Loans were among the most common Federal Student Loans. 

Was I given bad information? And will my Stafford Loans be eligible for forgiveness, even if they are owned by PHEAA and not Dept of Ed? I am concerned that many borrowers in the state of Pennsylvania will be hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have 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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CA

Complaint narrative:
I had an account with Keybank. Inexplicably, Keybank blocked access to my funds for over a month before finally releasing my funds in full and closing my account. Zero fraudulent activity occurred. I have been having difficulty opening a bank account and I recently learned that Keybank reported me for " checking account fraud. '' Zero fraud occurred, I never had a single returned transaction or anything of that sorts. On the other hand, Keybank froze my money for over a month for no reason at all, so who exactly is the one committing fraud? 

I also had a safe deposit box at Keybank. I should have received a prorated refund, but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
On Friday, XX/XX/XXXX, I was charge for out of network fees while using an in network atm. I was charged {$2.00} twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashable LLC
State: GA

Complaint narrative:
I applied for a loan around XX/XX/2021 last year I had got approved for it. While I was waiting for it to be deposited I realized that I messed up the routing number by a few digits. I quickly called the loan company they basically told me it was nothing they can do about it I spoke to my bank they also said the same thing. they said it would just affect my credit even though I never received the money Ive even filed a police report still nothing now I have late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When I reached out to dispute, their was no response and it still appears on my credit report. I disputed it through XXXX  XX/XX/2022.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When I reached out to dispute, their was no response and it still appears on my credit report. I disputed it through XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
When I reached out to dispute, their was no response and it still appears on my credit report. I disputed it through experian XX/XX/2022.

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