vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: SC

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
I have Mohela as my student loan server. I was given a monthly payment of just over {$8.00} due to my IDR. I was also given a payment of {$340.00}, I have contacted them several times due to inconsistencies. I was approved for my IDR and given the low payment only to be emailed my higher payment is due. I have emails from them showing the different amounts. I am EXHAUSTED from dealing with this company. I emailed them AGAIN last night, however every time I log on my payment is different. Their emails show different amounts. Who do I contact to deal with this? 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Good morning. 

I receive a loan to go to a film school. The amount of said loan was supposed to be {$12000.00} dollars. Unbeknownst to me the actual loan amount was {$18000.00} dollars with an interest rate of XXXX XXXX and {$5900.00} in what they call interest+fees. 

{$12000.00} with the interest rate of XXXX XXXX across 60 months or 5 years is a total of {$280.00} month. When I started i was paying $ XXXX {$140.00} up until recently. It has now jumped to {$350.00} a month. 

In order to have {$350.00} a month payments, the actual interest that is being dealt is XXXX XXXX. {$12000.00} across 60 months with an interest rate of XXXX XXXX is exactly XXXX. This is predatory lending and they are getting away with because people want to purse their dreams and goal in the college or educational programs and institutions of their choosing. This is blatantly illegal and not to mention blasphemous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hey Ive contacted you guys about this account before be cause it was fraudulent it was through XXXX  XXXX at first and you guys helped out removing it. But they sold it to a company called LVNV FUNDING LLC and the total on that account is XXXX $ an the date it was open was XX/XX/2023 thats false because you guys had it removed before that date and I talked to credit experts and they say they are known for suing people so I don't want to get sued for debt that's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
this account was closed in XXXX of XXXX, I had been behind on payments then settled and closed the account. 
In XXXX of XXXX, they have reported that I am over XXXX  days behind on the account. 
The account that has been closed with no balance for XXXX and a half years. 

I've asked them repeatedly to remove this but they refuse as they say it was accurate information in XXXX. 
I need this removed from my credit report as it is seriously negatively effecting my credit. 

Note : Page XXXX of the attached credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I made a payment of XXXX to be applied to my XXXX payment due after the student loan payment pause. Mohela put my account on forbearance XX/XX/2023 and XX/XX/2023 without my knowledge or consent which caused the payment to be incorrectly applied to my account. 

There was numerous correspondence that they ignored for XXXX weeks in my attempts to have my account fixed. 

I received a message from Mohela and spoke with XXXX reps who said my account was corrected. 

On XX/XX/2023, Mohela put my account into forbearance without my knowledge or consent. This is interfering with my path to student loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These bureaus has over 50 hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. Experian will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I received a late payment on my credit report from Fortiva. The issue is that I was paying via there portal and realized the portal was not working. I have sent them screen shots of the portal showing null when I attempt to pay. I have called and asked to speak to a supervisor and submit request to remove the late payment for XXXX weeks. Each request is supposed to be responded to within XXXX business days I have put in XXXX request to date with no answer. This was removed and they put right back on my credit report unjustly it doesn't make sense that paid in XXXX and its shows XXXX  days late in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
This is regarding a cryptocurrency transfer that I initiated from Coinbase to XXXX. I sent the my XXXX tokens without a memo from my Coinbase account to my XXXX account. Because the tokens were sent without a memo, the tokens never reached my XXXX account instead it reached an internal XXXX account. Then when I inquired about this, XXXX initiated a transfer of those tokens to the original sender ( which is my Coinbase account ) without a memo. So, now instead of those tokens reaching my Coinbase account, it is in an internal Coinbase account. Coinbase told me that in order to retrieve those tokens I need to talk to XXXX and ask them to send a test deposit of XXXX XXXX  tokens from the same XXXX internal account that was used for transfer. I spoke to a customer service representative from XXXX and he took the issue to his back office and they denied my request. So, when I asked Coinbase regarding this issue, I dont get any clear answers. Im trying to resolve this issue for the last 4 months but all my efforts have been in vain. Plus it is very difficult to reach the two brokerages ( Coinbase more so than XXXX ) and whenever I have been able to get a hold of them they have either no answer or take several weeks to answer my questions. Im just so frustrated about the situation and stuck between the two companies refusing to let me have my tokens back. On chain analytics and data clearly show the rightful owner of those tokens is me which XXXX has acknowledged, but both the companies refuse to help me retrieve my tokens. This behavior, their policies, and lack of disclosures tantamounts for fraudulent activity and they need to be held accountable for this. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
In XXXX  I came home and my bank account with current bank had suffered from fraud ( unauthorized transactions ) by the time they caught the fraud it had a remaining balance of XXXX when I talked to the representative about the refund check that was supposed to be sent I informed her that my address had changed because I was the victim of theft fraud assault and more. She sent my check to the unsecured address anyway and the check was stolen ( no surprise there ) not only can I no longer bank with current but they refuse to issue another check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
Credit card company said I made the purchases and that I was not paying the bill. Agreed to investigate report. Recorded line, FCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I have made multiple attempts to apply for credit with Affirm ( Affirm Holdings , Inc ). Every time I have applied they are using credit reporting that is XXXX to XXXX months out date with inaccurate information. The report says it was pulled from XXXX but they information they using to deny me credit is never reflected on my actual XXXX report or the information is so out of date that it does not apply to my current circumstance at all. I have complained and complained to Affirm about this. They tell me Im approved but this is an outright lie. I have never been able to use their services. 

I am attaching a document showing their reason for denial. Its dated XX/XX/2023. Todays date is XX/XX/2023! This is insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: TX

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. 

Account Name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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. 

Account Name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inq

uiries 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 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 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 2023-11-17 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: SC

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In 2021 upon my return home I found that my Wells Fargo account suffered from theft and fraud to the sum of approximately XXXX. After hours on the phone I filed disputes. Wells Fargo issued me a letter confirming that I was the victim of fraud ( not at fault ) as well as an identity theft case number. They later after a few times escalating my case Wells Fargo denied my disputes. It did get forwarded to the XXXX XXXX XXXX where they determined that my Wells Fargo checking account was not insured when Wells Fargo accounts are supposed to be fdic insured to my knowledge. To top it off I have been illegally XXXX for bounced checks associated to this account and of course I have no resolutions

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Have had citi bank Costco co branded card for several years, always paying off the full balance. I get a pop-up in the payment app saying that since I had been a good customer I was getting a special rate of 3.99 % till XX/XX/2024. I think sure why not. The thing they didn't make clear is that the " special rate '' has no traditional grace period, the interest starts the moment things are purchased and you are charged even if paying the card statement balance each month, so for a customer like me who pays off their card each month it means for the first time I am paying interest on this card because of the change in calculating the charge. 
I strongly suspect that CITI is only offering this " special offer '' to similar pay the balance of each month customers and if so it's pretty shady as it results in interest payments when they wouldn't be needed otherwise. I called CITI and they said they could /would not remove the promotion from my account and I would have to just have it till XX/XX/2024.

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