vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I have recieved confirmation of amount approved for group c of sweets v cardona settlement. ( in attached document ) However when I recieved a check from the dept of education it was only a 10th of the money I was to be given. When I contacted EDFinancial they told me false information or redirected me to my previous lender which is NO LONGER IN OPERATION for information on the refund. As well as the dept of treasury which I can not reach. 

From this I have been contacting edfinancial almost daily and have been given the same scripted response regardless of how I explain that they are liable. It is also far beyond the disbursement date from the approval date i was given which goes ahainst their own refund schedule among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2023, I sent over several letters to Transunion disputing inaccurate information that I discovered to be on my credit report costing me {$80.00}. These inaccuracies are not a joke as this issue has prevented my family from being able to build our home amongst other devastating issues that has come up. I sent a letter to credit company asking them to review the data that they have on file for me to ensure that it is accurate and complies with FCRA and Metro 2 reporting requirements. I also ask that they send their written response to my home 's mailing address. 

As of today XX/XX/2023, I have not received any written responses in regard to my disputes that I sent in. According to USC 1681i ( a ) ( 1 ) ( a ) " if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct a investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30-day period. '' Transunion failed to follow this law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-09-06 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: FourLeaf Federal Credit Union
State: FL

Complaint narrative:
I want to make it abundantly clear that I have never, at any point, granted you permission to access my credit profile. Furthermore, you possess no legal grounds for contacting third parties with my personal information. Your actions in obtaining my consumer report on XX/XX/XXXX, without a permissible purpose, stand in flagrant violation of the Fair Credit Reporting Act ( " FCRA '' ), as explicitly codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Case law, such as Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ), reaffirms the gravity of such transgressions. 

Let me be absolutely clearI have not engaged in any transaction with Bethpage Fed CR Union. Furthermore, I do not maintain an " account, '' as defined under 15 U.S.C. 1693a ( 2 ), with Bethpage for any conceivable review or collection. It is paramount that you understand the severity of your actions, as they amount to Aggravated Identity Theft under 18 U.S.C. 1028A. Knowingly transferring, possessing, or utilizing my means of identification without lawful authority is a felony, punishable by up to 2 years of imprisonment, in addition to civil liability.

Per 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. Your transgressions have left me no choice but to assert my rights under the FCRA, [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. You unlawfully obtained my XXXX consumer report on XX/XX/XXXX, without my authorization or a permissible purpose under 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ) and its associated guidelines for permissible purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dispute/Fruad # : XXXX XXXX I was told told after " Based on our information and provided results of our research we are pleased to inform you that your request for reimbursement has been honored. The credit has been posted to your account in the amount of {$890.00}. '' Nothing has been posted to my 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 2023-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an account with Citibank and deposited {$50000.00} in XXXX, I wished to wire transfer out {$45000.00} to another bank account and my account was frozen. I went to the bank and spent an afternoon to unfreeze my account over the phone, then I asked my bank ( Citibank XXXX XXXX ) to do a wire transfer for me, within an hour of the wire transfer my bank account was frozen again, this time they asked me to wait for a letter from them, and after I saw the verification code in the letter, asked me to contact them again. Two weeks have passed and the letter still hasn't arrived. Also the employees of the branch are not answering my calls this week. i am being unjustly denied access to my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX  I logged into my account to see the charges to make an extra payment on and above the monthly auto recurring payment and noticed that three disputed charges including two {$29.00} and XXXX cents from an unknown merchant were reposed to my account by Capital One I contacted Capital one and was told that on XX/XX/XXXX   a notice was sent to my capital one account dashboard to which I failed to respond. I was logged in while speaking with the representative and told her that I don't see any notices, did not receive any emails, no phone calls nor received any letters requesting more information. 

Please see 3 attached snap shots of my dashboard I asked the representative why don ' they send a simple encrypted email or a letter or just call my cellular? then she hung up on me. 
I called again & spoke with another rep who told me the same story and again I stated that there was nothing in my dashboard and asked to be connected to a supervisor. 
XXXX, a supervisor also insisted that a notice or letter was sent to my capital one dashboard on XX/XX/XXXX  and refused to give me her last name, office telephone, extension or employee ID nor her supervisors name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: ME

Complaint narrative:
In according with the fair Credit Reporting Act XXXX Account : XXXX - XXXX XXXX  XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX 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 furbish 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 2023-09-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX, acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 : It also states a consumer reporting agency can not furnish 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 2023-09-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX, acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NV 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 : It also states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2023-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
During pandemic according to payment .code 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting information to credit Burea late payments was Not comply with the lawI Dispute This inaccurate information several Time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against Bank of America regarding an issue I have encountered with my account. I have diligently paid my monthly payments on time, but to my dismay, I have been charged an unreasonable amount of {$250.00} as interest charges and an additional {$39.00} as a late fee for payment due. 
I reached out to Bank of America 's customer service department via phone, and I spoke to manager XXXX XXXX on XX/XX/2023 to address this matter. During the conversation, I explained the situation and expressed my concern about the exorbitant charges that were levied on my account. I kindly requested for the fees be waived, given my track record of consistent and timely payments. However, to my surprise, the customer service representative declined my request and refused to consider waiving the fees. 
I believe that the charges imposed on my account end with ( last XXXX digit XXXX ) are unjustified and not reflective of the responsible financial behavior I have maintained. The interest charges and late fee are not only excessive but also seem to contradict the principles of fair banking practices and customer relations. As a loyal customer who values transparency and integrity, I am disappointed by the bank 's response and lack of willingness to accommodate my legitimate concerns. 
I kindly request your intervention in this matter. I trust that the ( CFPB ) is committed to upholding fair banking practices and ensuring that consumers are treated fairly. 

Thank you for your attention to this matter! 

Best regards 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 monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southern Management Systems Inc.
State: MA

Complaint narrative:
On XX/XX/2023, I logged into XXXX XXXX to discover that I had a derogatory mark on my credit for the amount of {$400.00}. Upon inspection, this mark was due to an outstanding balance owed to Southern Management Systems. Several months ago I received phone calls everyday from a number that was unknown. Voicemails were repeatedly left that did not clarify what the calls were regarding. They simply stated " Southern Management Systems. '' I ignored these calls because I believed they were fraudulent and that I was being harassed by a scammer. I never received notification that I had an outstanding debt with Southern Management Systems or the issuer of this debt to Southern Management Systems. I was never sent or provided verifiable information that this debt belonged to me. This is illegal. I need to be notified that I have a debt that was issued to a debt collector in order to take the next steps. I have no idea how long this debt has been outstanding. I am not happy with this collector and their failure to provide due diligence. I am also unhappy with the failure to notify me of what Southern Management Systems is and why they have been repetitively contacting me. Additionally, I was never provided an account number by the debt collector to verify that the debt was mine or the ability to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The accounts below are reporting incorrectly please investigate these : 1. THD/CBNA Reason for Dispute : I have been of Identity Theft / victim of fraud. This account is not mine, I did not authorize this credit line request, this was requested from an OHIO address, I have lived in Pennsylvania for more than 15 years and never lived in Ohio. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 1. CITIBANK NA/THD Reported : XX/XX/202XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Firstsource Business Process Services, LLC
State: IN

Complaint narrative:
On XX/XX/2023 I received notice that a local attorney, XXXX XXXX XXXX sent my employer a notice that they attend to garnish my wages for a credit card. They state they have filed a judgment against me for the amount of {$5100.00} on behalf of a creditor I never even heard of named ONE ADVANTAGE, LLC. When I contacted the attorney 's office they refused to give me the credit information. I was never notified of any court proceedings and the law office used the court to enter an illegal judgment against me for this outrageous sum. 

I have never had a credit card with a credit limit of more than {$600.00}. Even with interest and attorney fees it never should total this amount. One Advantage, LLC or the attorneys at XXXX XXXX are using the courts to saddle consumers with usery and inflated totals to saddle consumers with debt that is XXXX the original balance. This illegal and unethical debt collection practice is flagrant and illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : It has been brought to my attention that { HIRE RIGHT } has listed { negative listing } on my file. To my knowledge, I have never had no tickets or accidents on my license therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { HIRE RIGHT } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that any DUI, OPEN CONTAINER, POSSESION OF HAND HELD DEVICE, SPEEDING ETC, be permanently removed from my HIRE RIGHT report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX

Company response to consumer: Closed with explanation