vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have an unknown fraudulent account from XXXX XXXX XXXX being reported on my Transunion, XXXX and XXXX. I have demanded proof of contract over 30 days ago and haven't received it!! 
This unknown, fraudulent, negative account and late payments being reported to my credit file is hurting my ability to obtain credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX opened XX/XX/ Bal {$0.00}

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 2023-11-05 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: MOHELA
State: MA

Complaint narrative:
Again reached out on XXXX about the account being past due. Again, another letter via their app which doesn't say if they are pulling the money or should I. I even screened shot the payment I want to make but there is a warning stating the payment is set for auto pay. If I pay it Mohela will still pull the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express notified me on XX/XX/XXXX that if i didnt pay them {$2800.00} by XXXX they were going to consider cutting my credit limit. I called them immediately and they told me that I " i had to wait till i was cut down and then i could file an appeal. '' I updated my new increased salary on my American Express profile and made a balance transfer of {$1000.00} to reduce my balance on XXXX. 

On, XX/XX/XXXX, a Sunday, American Express emailed me that they were cutting my limit by XXXX effectively " maxxing out '' this account. They said it was because I " had not been making enough payments '' even though I have made the minimum payment consistently and have been a card holder since XXXX. They effectively will cut my credit score in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX, XXXX, I called Bank of America concerning lower my credit limit and I spoke with XXXX and she told me she saw where my limit was decreased. I explained to her about the complaint I had filed on XX/XX/2023 and was told she could not do anything. 

I received a letter from Bank of America on XX/XX/2023, indicating why they decreased my limit because of the report from the XXXX XXXX credit report. My credit score they have is incorrect. They have it as XXXX and it has been corrected to XXXX on XX/XX/2023.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent letters out XX/XX/2023 to Experian, XXXX, and XXXX, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information on my credit 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 explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK
State: MN

Complaint narrative:
I was involved in a romance crypto currency scam. I wired money 3 times from XX/XX/2023 and XX/XX/2023. On XX/XX/XXXX I sent {$3000.00} to a bank. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX branch On XX/XX/2023 I sent XXXX to another bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 I sent XXXX XXXX XXXX XXXX XXXXXXXX Cathay bank XXXX XXXX. During the next 6 months we made trades on a website called XXXX a partner with XXXX. My account reached {$270000.00}. Which seemed real. On XX/XX/2023 the web site vanished and I haven't heard anything from her. the transfers were from my XXXX XXXX bank account. 
Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Global Lending Services LLC
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loan amount was incorrect. Nelnet had me in the 20 year payment plan, then changed me back to 10 year, which is what I had with Great Lakes. Nelnet never changed the amount back to the 10 year amount. I set up automatic payments to pay the 10 year amount. They increased the amount and they did not take out the autopay for the month of XXXX and put it for XXXX. Also I have been unable to talk to anyone. I have called twice and never able to talk to anyone. On hold for over 1 hour and then get disconnected. I am just trying to do what I am supposed to do. I am going to pay this month. They need to fix this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-05 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: IA

Complaint narrative:
I have an unknown fraudulent account from XXXXXXXX XXXX XXXX being reported on my XXXX, Equifax and XXXX.. I have demanded proof of contract over 30 days ago and haven't received it!! 
This unknown, fraudulent, negative account and late payments being reported to my credit file is hurting my ability to obtain credit : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX opened XX/XX/2023 XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have an unknown fraudulent account from XXXX XXXX XXXX  being reported on my XXXX, XXXX and Experian.. I have demanded proof of contract over 30 days ago and haven't received it!! 
This unknown, fraudulent, negative account and late payments being reported to my credit file is hurting my ability to obtain credit : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX opened XX/XX/2023 XXXX {$0.00}

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 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have made many calls to USBank trying to see why they blocked access to my account. USBank teller I spoke with XXXX XXXX I asked to speak to the branch Manager she refused to speak to me is what XXXX XXXX explained to me. I called the USBank number and no response they told me I needed to go to the branch and walk in. Every effort I was unsuccessful. So I looked up the Corp name to contact. 

Dear XXXX XXXX, XX/XX/2023 I was a client of your US bank for the past four months and held a checking account in your branch on XXXX XXXX XXXX. My understanding was blocked access on XX/XX/2023 I was told that the account had illegal activity. I had sent money ( XXXX. ) through XXXX to my bank account with XXXX XXXX to pay my bills. I went inside the bank and spoke to XXXX XXXX ; she made calls and told me that I had cashed a check that came back returned. I explained I deposited cash, not a check. Due to incorrect information, I inquired with your branch, and they just gave me the runaround. 
I am sad to say that despite making calls to your branch and the customer-care toll-free numbers, there has been no delivery of my money. They closed my account on XX/XX/2023. I received my letter that they would send my money in a cashier 's check and update me. To this day, I haven't got an explanation as to why. I'm a XXXX individual. I care for a family member with XXXX XXXX. I live off XXXX. My electric bill wasn't paid, and my service would be cut off. I'm at the point where I'm going to file a complaint with FDIC & have the local news look into getting an answer for me. I have been mistreated, and I don't deserve this treatment. I want my money back. The account details are as follows : I request you to look into my case and help me receive my money at the earliest and oblige. 

Thanking You 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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed XXXX a collector which states its on behalf on XXXX XXXX. It was on my 3 credit reports Ive disputed them on 3 occasions each or more. Im pretty sure equifax is the only credit bureau that let it stay. XXXX and XXXX seemed to have deleted it, and I hope it stays off. It isnt my debt. I asked for proof or evidence from XXXX such as a signature. I even went over my rights under FRRA. It is my right to do so.They sent me a short letter saying that they received my dispute, and feel it was done by a credit repair or 3rd party instead of myself. That is not the truth. I did it on my own. They refused to investigate and basically laughed in my face. I guess now we are allowing anyone to put anything on our credit reports and get away with this. I plan on doing everything I can to get these fraudulent companies to remove false reporting on my reports. Ive disputed with XXXX, equifax, and XXXX. Pls have this removed. The letter that thus horrible collector XXXX sent me will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX  mobility billed me, in advance, for the upcoming service period of XX/XX/XXXX through XX/XX/XXXX. However, I changed carriers to XXXX on XX/XX/XXXX, and, therefore, would never receive any of the services for which XXXX XXXX XXXX is attempting to collect. The documents submitted with this claim unequivocally support this. 

I called XXXX XXXX XXXX to dispute the advance bill as these services were never rendered. Their representative attempted to " settle '' for {$50.00}. I asked the XXXX XXXX XXXX representative what services they would be providing and they stated " none '', but that " it is their policy to bill in advance ''. I told the XXXX XXXX XXXX representative that I am disputing the entire advanced billing attempt since XXXX XXXX XXXX would not provide any products or services as claimed on the invoice, since I switched carriers prior to the start of the billing period in question. Based on XXXX XXXX XXXX XXXX own terms of service, I do not owe any sum for the period in question. Furthermore, I have documentation showing XXXX also billed me, accurately, for the same dates ( XX/XX/XXXX - XX/XX/XXXX ) for the same phone numbers. 

XXXX XXXX XXXX later added roughly {$6.00} in interest/late fees before leveraging multiple third-party debt collectors in an attempt to scare me into paying for services never rendered, or risk damage to my credit rating with the 3 bureaus. " XXXX XXXX '' is the latest third-party debt collection agency leveraged by XXXX XXXX XXXX in their attempt to defraud me. They have sent collection emails to me on XX/XX/XXXX and XX/XX/XXXX as of this writing. 

Following the submission of this formal complaint, I am mailing a dispute letter to XXXX XXXX, expecting that they cease and desist any and all actions pertaining to this matter. The attachments herein are indisputable evidence that XXXXXXXX XXXX XXXX erroneously attempted to bill in advance after they no longer owned the phone numbers in question, as both they and XXXX billed me on XX/XX/XXXX for the service period of XX/XX/XXXX through XX/XX/XXXX. As such, I do not owe XXXX XXXX XXXX any debt whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Comenity Bank processes XXXXXXXX XXXX credit cards. I had set up automatic payments through the XXXX XXXX website. I used my XXXX checking account. In XXXX, Comenity processed my payment but indicates they received a stop payment from XXXX. I did not stop payment. Comenity then sent a message indicating I had a message in their message center. I did not see that message until late XXXX when I received a XXXX XXXX message indicating my account was overdue. 

I immediately went online and processed a payment for the full balance and received confirmation. Today, I went to do my XXXX bill payments and realized there was no credit in my XXXX account for XXXX. I checked online and saw that the payment had been returned. Called Comenity and was told XXXX had returned the check. I called XXXX, and they had no record of any charges coming through that would result in a returned check ( I have overdraft protection ) and no issues with the account that would have resulted in the payment being declined. 

I called Comenity back and was told I needed to have XXXX send documentation indicating the information on the returned check. I pushed back because XXXX had no record of a returned check/payment or any item that would have had to be returned. 

Comenity indicated I must have put a stop payment on the account- which I did not do. The letter I received from Comenity indicated I requested to stop automatic payment but then the Comenity rep said they were stopped because of the returned payment. I did not stop payment to Comenity and XXXX has no record of any payment request coming in. I asked if Comenity shut down my automatic payments because I had not used the card for 9 months- they didn't respond but reiterated I would have had to do a stop payment or the account had insufficient funds -- neither was the case as confirmed by XXXX XXXX 

Comenity did waive the late fee but I was also charged returned check fees when there was no reason for the payments to be returned. Additionally, I could not use my primary checking account because Comenity would not allow it to be used until payments were good for 3 cycles- there was no communication regarding this until I brought up the earlier payment I had made today when I first called in. The first rep at Comenity took my payment and I left that call at least thinking the payment had been taken care of but, in pushing on why payments weren't clearing, was finally told they were not going to be allowed to go through. So, Comenity would, yet again, charge a returned check fee even though they knew it wouldn't be processed because of the situation.

It appears the payments never went out from Comenity to XXXX to be processed. What isn't clear is why the first one didn't go out ... that seems to have been the catalyst for the churn in their processes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
IVE DISPUTED THIS XXXX XXXX COLLECTION NUMRIOUS OF TIMES DATEING BACK FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 ACCOUNT NUMBER IS XXXX AS IDENTITY THEFT, BECAUSE IVE NEVER HAD AN ACCOUNT WITH THEM. IVE ALSO ASK THE BUREAU TO VERIFY THIS AND ASK HOW DID THEY VERIIFY, HAVNT HEARD ANYTHING. PLEASE HELP, ITS HURTING MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
IVE DISPUTED THIS XXXX XXXX COLLECTION NUMRIOUS OF TIMES DATEING BACK FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 ACCOUNT NUMBER IS XXXX AS IDENTITY THEFT, BECAUSE IVE NEVER HAD AN ACCOUNT WITH THEM. IVE ALSO ASK THE BUREAU TO VERIFY THIS AND ASK HOW DID THEY VERIIFY, HAVNT HEARD ANYTHING. PLEASE HELP, ITS HURTING MY CREDIT.

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