vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 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: SC

Complaint narrative:
TRANSUNION, XXXX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, TRANSUNION AND XXXX TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.

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 2022-02-27 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: SC

Complaint narrative:
XXXX, XXXX AND EXPERIAN BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND EXPERIAN TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.

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 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
I received a call from Credit management, so I advised the representative to write to my address on the debt the company is trying to collect. Some days later, a letter was received and I file a dispute on credit management asking them to provided verification and appropriate documentation to verify the debt. 

On XX/XX/2022, a received another letter stating that the account I disputed had been reviewed and confirmed in Credit management office without sending any prove of documentation from the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I signed up for a citbank XXXX promotion to receive {$200.00} per their terms once the account was opened, funded, and funds remained in account for a specificed period of time. I funded the account on XX/XX/XXXX and received only {$100.00} of the promised {$200.00} on XX/XX/XXXX. I called citibank to discuss the discrepancy and the customer service member told me that I should have received {$200.00} per the promotion and they would open a dispute to look into it. I received a letter from citibank on XX/XX/XXXX that says they looked into the dispute and I received {$200.00} per the promotion on XX/XX/XXXX. This is not true, as I only received {$100.00} and this is clear based on checking account records. I called again XX/XX/XXXX to discuss and was told that they agree I only received {$100.00} despite what their official letter says, but that I will only be receiving {$100.00} total. This is less than the promotion promised, as well as what I was confirmed on the phone by a representative. I told them that I would be filing a complaint with you and they told me to go ahead.

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 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have called Chase more than 10x with repeated trouble using my Chase credit card. It is constantly being blocked due to an automatic security protection measure related to trying to use the card on contactless via XXXX, but this is not warranted as all the purchase attempts have been legitimate. I have called in repeatedly to verify my purchases and to unblock my card, yet the problem occurs again and again and again. I can not keep calling in ; I am unable to use my card as intended and no one at Chase is able to prevent the card from continually being blocked on about 50 % of my contactless purchase attempts. Furthermore, I am not even told about the security measure nor asked to verify it is me attempting a legitimate purchase - instead, the card is simply denied. Chase thinks they have set these alerts up successfully, yet I have never received one. 
This is super frustrating and I can not use my card. It is untenable to expect me to keep calling in to have my card unblocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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, the following accounts violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) - 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 explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase had unilaterally decided not to send me paper statements despite not having my email, based on the most recent statement I was sent. I want paper statements and tried to call them today to state that. Their office was closed and no alternative method was offered to obtain these statements other than calling back ( their hours were not stated so I have no idea what they are. ) To Chase : I do not and will not consent to paperless servicing. Please cease and desist from all attempts to enroll me in that feature. Please immediately restore my paper statements. Please also fix your controls- this is a clear sign that you are unable to properly execute basic mortgage servicing. 

Note that the letter sent has no way to tell Chase that there is a clear error here ( who signs up for e-delivery and doesnt leave an email? )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IA

Complaint narrative:
I updated my mailing address on my Nelnet account around XX/XX/2021. I have not received a mailed monthly statement since then. I also did not authorized to only view my account information online. I only go online to pay my bill or go on the application on my cell phone. I prefer bills to be mailed to my address as I have filing system where I keep a record of all of the statements and mark payment date, time, payment amounts, who sent the bill and confirmation numbers. Nelnet online account profile system is messed up. They only have available to enroll in e-statements and text notification of bills. I do not want e-statements and do not want to be sign up for texts that will charge me money through my cellphone company. If they are any responsible servicing company like any bank or financial institution, they should held to the same Federal regulations and State laws about disclosure of account information to be accessed by the consumer/borrower without a company not providing options or making good on monthly statements when a borrowers is not enrolled in e-statements. It should never be a company 's decision to make or follow through with unauthorized account maintenance just for the company to save money! I am sure all of these third party student loan service providers are getting rich off all of the interests built from deferred, defaults and forbearance loans over the years! It would be nice if the Federal Government look at some Student loan forgiveness for those who had FFELP Stafford loans. After look at how the student loan market and sales tactics were done with the universities and colleges, it is down right predatory lending practices when they know that students coming out of high school do not know about terms and conditions on contacts, promissory notes of payment of debt, and compound interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington Bank transferred funds without my approval to their advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have made phone calls and sent letters bureau refuses to acknowledge my concerns

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
According to Title 15 section 1605 ( Determination of finance charge ) In my loan contract my finance charge was {$7600.00}. Per Title 15 section 1605. This is all that I shouldve been charged. Yet I was required to pay a down payment plus another {$21000.00}. This is a clear violation of Title 15 section 1605.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
On XX/XX/2022 there was complaint filed in the Circuit Court of XXXX County, WI against me for alleged amounts owed. The Plaintiff 's firm acting as a third party debt collector did not send notice or right to dispute prior to commencing suite or after a phone call was made to them on XX/XX/2022 per FDCPA rules. This is not the first time that this firm has violated my consumer rights. I was never given a right to cure pursuant to Wisconsin Consumer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: FL

Complaint narrative:
fraudulent names and address was use to open fake account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: SC

Complaint narrative:
I have on multiple occasions gone through the process off trying without remedy, to get the accounts and inquiries causing me hardship, infringing on my right as a consumer too privacy and causing me to lose confidence in the banking system. The same confidence that is essential to the banking systems productivity in commerce ; removed. Pursuant to 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) ( iii ) - my consumer report shouldnt contain information solely as to the transaction between me and person makin the report. nor was i given the oppourtunity to direct that this information not be reported... Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) -a consumer reporting agency may furnish a consumer report in accordance with the EXPRESS written instruction of the consumer. I, the consumer never gave EQUIFAX my EXPRESS written permission or consent to furnish anything on my consumer report, ... no consent constitues fraud ... Pursuant to 18 U.S.C. 1028a - knowingly transfers, posesses, or uses without lawful authority, a means of identification of another person .... constitues aggravated identity theft prior cfpb complaint was closed stating more information needed as to account numbers etc .. you have just received correspondance with such. 

ATTACHED IS PROOF OF DELIVERY AS FOLLOWS : Certified Mail receipt number : XXXX XXXX XXXX XXXX XXXX Return Receipt number : XXXX XXXX XXXX XXXX XXXX XXXX signed for and recieved on XX/XX/22 XXXX am FTC identity theft report reference number XXXX PRIOR CFPB COMPLAINT ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 
Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft! Please remove this account as soon as possible! 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2021 Type of Account : Collection Balance : {$170.00} Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Been receiving phone calls everyday on two lines since XX/XX/2021. Have only been receiving mailings which is acceptable but calling everyday sometimes twice a day if not more is harassment

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 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX also known as XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX New York XXXX Is reporting inaccurate information to the credit bureaus. I am a victim of identity theft and fraudulent accounts. I submitted police reports and they refuse to honor them. I have had fraudulent accounts on my report by other creditors that have been removed by me providing requested documents. But this company wants to be the judge and jury and wants me to pay for something that is not mine. Identify theft is not my fault and they are making it out to be my fault. I cant help accounts were fraudulently made. They are causing me great distress.They have spoken to me rudely and they have over talked and spoken loudly to drown me out on telephone conversations. This is unlawful and should be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: GA

Complaint narrative:
I have made phone calls and sent letters bureau refuses to acknowledge my concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Credit bureaus were addressed

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 2022-02-27 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: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX XXXX account XXXX, has violated my ri

ghts. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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:
In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX 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 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 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/ 2022 there was complaint filed in the Circuit Court of XXXX County, WI against me for alleged amounts owed. The Plaintiff 's firm acting as a third party debt collector did not send notice or right to dispute prior to commencing suite or after a phone call was made to them on XX/XX/2022 per FDCPA rules. This is not the first time that this firm has violated my consumer rights. I was never given a right to cure pursuant to Wisconsin Consumer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege 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 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 non-monetary relief