vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
, ( XXXX XXXX. ) never gave ( Midland management ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.Nor have I ever been in a agreement or contract with them. My privacy is being breached! I DID NOT AND DO NOT CONSENT to you ( Midland management ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, A copy of the law is attached with this dispute. 


You also do not have any permissible purpose to furnish my personal information to any third party, 15 USC $ 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Midland management # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: NY

Complaint narrative:
I sent out a letter off on XXXX XXXX here are my tracking numbers [ XXXX ] [ XXXX ] [ XXXX ] .To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-10-06 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: NY

Complaint narrative:
I sent out a letter off on XXXX XXXX here are my tracking numbers [ XXXX ] [ XXXX ] [ XXXX ] .To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MI

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. 

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 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 furnish a account without my written instructions.

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 2022-10-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM Financial has right on their website that all leases will be AUTOMATICALLY extended month to month for up to six months in one month increments, and nothing more needs to be done. We needed to extend our lease and saw that and nothing else needed to be done. GM also had our wrong email ( missing XXXX in it ), used the corporate office number to contact us about a late payment ( must have been off the credit application because we never provided it, as it is not a number my husband can be reached at, and an old address so we never received ANY notice of the late payment and assumed it was all fine since their website reads that it will automatically extend month to month. The day we realized we had a late payment ( first EVER ) we paid the double payment. We contacted GM- they told us to contact credit companies. I filed disputes with all three credit companies-all were denied. I contacted the credit companies and was told to contact GM. I contacted GM again and got nothing in response at all. Our credit score is ruined and it was not at all our fault that the website ( STILL READS TODAY ) that it will automatically extend-it doesn't state that it shuts off autopay, or that the payment changes in NY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: MN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/27 two wire transfers were made to my account, for my job. I had just started this job with The XXXX XXXX XXXX, who I believed to be a financial firm who works with cryptocurrency. They instructed me to pull the funds from my account and purchase bitcoin at a bitcoin atm for the client. I did so, then a few days later, they reversed the wires. At this time, I contacted the company and asked what was happening, they stopped answering my calls and emails and at this point I realized I had been scammed. Now, what I am filing a complaint about is with XXXX XXXX. I have been a client with them for almost a decade and have always been in good standing with them. When I talk to them, they treat me like I had a hand in this, have implied that I am not smart for even taking a " job '' such as that, and have basically told me I am screwed and that I " spent '' the money myself. As well as now being labeled a risky client to them. ALL of my funds have been placed on hold, to repay the person who reversed the wire transfer, which was clearly the persons plan all along after receiving the XXXX. With no resolution date and even a guarantee that my money would be released. I have now had to completely uproot my business with XXXX XXXX and find another financial institution. Which I did not want to do. The amount of money that was in my account prior to the wire transfer is all I wanted to be released back to me. One account had XXXX in it, the other had XXXX. They are basically siding with these other people instead of their client, putting me and my family in a bind unnecessarily. I would like there to be some kind of reason as to why I am the one responsible to pay these fraudulent wires back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I called BMO Harris Bank customer service at the beginning of this month. No matter which option I dialed the hold que was supposed to be one and half hours. However I was on hold for around two hours until finally someone took my call. It was a very simple request to stop a pending payment for a bill.

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 2022-10-06 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: OH

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: OH

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Someone rented an apartment in XXXX, Florida in my name. They did not pay for the apartment and they ended up owing the leasing company {$7500.00}. This showed up on my XXXX credit report and is making it hard for me to rent an apartment. The only time I ever lived in Florida was when I was about XXXX XXXX XXXX, so there is no way this could have been me. 

Later on, someone rented an apartment in XXXX, GA, in my name. Again, they did not pay their rent and ended up owing the leasing company {$21000.00}. According to my credit report, the date of first delinquency was XX/XX/2019. At that time, I was living in XXXX, GA, where I attended the University of Georgia for XXXX years to earn a XXXX XXXX. So again, I was not living where this apartment was rented and this could not have been me. 

I am trying to rent a new apartment now and this history of identity theft is making it impossible for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
I applying for a job on XXXX, First Advantage did a backround check on me, it came totally mix with other people with the same names with criminal records, i do not have any criminal records, places i never had any problems, i told them my identity was stolen, i did my own backround check and nothing like that comes up. They keep sending me the same backround ckeck not willing to help. I spoke with an XXXX XXXX she anderstud that was someonelse. I report to Identity deft my file is XXXX. They stole my social security, my bank accounts, my credit was freeze 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is regarding Citi 's dispute review process. I believe Citi has not followed their own dispute policy of resolving dispute in a timely manner. 

In XX/XX/2022, I booked a flight using my Citi XXXX XXXX. That flight later got cancelled due to the war in XXXX. I have contacted the booking agency for a refund which did not return my calls and did not answer my messages. I later disputed this charge with Citi. 

I submitted my dispute in XXXXXXXX XXXX and later called Citi to confirm my dispute was opened. They confirmed. On XX/XX/2022 I got a letter from Citi requesting evidence for my case ( which now has a number XXXX ). I emailed my evidence on XX/XX/2022, that letter included screenshots showing my cancelled flight info and my messages with the merchant that remained unanswered. 
Over the course of the next 3 months I called Citi twice to check on the status on my dispute and got the same answerit 's beeping reviewed. 
At this point my case is way outside the dispute window Citi claimed ( 30 days ) and my it remains unsolved. 

I have called Citi billing disputes again today, XX/XX/2022 and spoke with a supervisor named XXXX XXXX refused to give last name but claimed to be the only supervisor in billing disputes and provided code XXXX ), who told me that Citi has received my evidence on XX/XX/2022. I told him that the evidence was sent on XX/XX/XXXX, for which I have a record and he could not explain the gap. His best explanation was that it took a long time for my evidence to be scanned in ( mind you it was submitted electronically ), he told me that from here ( or rather from submission date ) cases take 10-12 business days to review, but could take as much as 30. 

My case remains open. 

In the documents attached to this request you can find a screenshot of my email providing requested evidence send on XX/XX/XXXX. 

There's something off about dispute process at citi, a claim submitted in XXXX should not take 8 months to be resolved. My evidence sent in XXXX being processed in XXXX, full 3 months later is odd. I kindly request Citi reviews my case an offers an explanation of the issue as well as a timely resolution.

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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello XXXX, someone I know told me hes do a business in the USA with another man and the person supposed to send him money but for some reason the transaction didnt go through so if he can use my bank account to receive the money and and send it to him which I agreed.so I received the money and then wired it into his account 3 weeks later I noticed my account is on negative I contact my bank, they told me the person that sent the money has recalled his money back in which my bank didnt inform or said nothing.so at this point my back has frozen my account getting to a month now i dont have access to my money and i feel like am been a victim to fraud but my bank is not helping me, my bills are backed up and its frustrating so am filing a complaint against my bank which is TD Bank .thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a XXXX report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. I have disputed this in accurate report before have called Bank of America over 20 times and they simply say that account has been closed and we have no access to remove the report. I simply ask why is it being reported as Closed for fraud why? 
Please verify the following account or remove it immediately. 
Bank of America Reported For : Fraudulent activity

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 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MI

Complaint narrative:
Hello, I submitted a request to my student loan provider Edfinancial Services on XX/XX/XXXX for a refund all payments made during the Covid-19 student loan forbearance period since XX/XX/XXXX. This sum amount was approximately ~ {$17000.00}. Edfinancial has been unable to provide me with a receipt, physical documentation, or confirmation of my request and additionally has stated that it could take up to 1 year from submission of my request to receive my refund. I have contacted them multiple times since submission for an update on the status my refund and they have been unable to provide any information regarding the processing of my request. 

From what I understand, many Edfinancial users are having similar problems with this provider while other lenders have been able to provide their borrowers with refunds in a more clear and timely fashion. I am simply looking for assistance in receiving my refund from Edfinancial since it is not clear when or if I will receive one since my request as 6 weeks has already passed and I am unable to receive any updates or physical confirmation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have been in active bankruptcy since XXXX of 2021 XXXX XXXX Bank of America executed a bank levy on my accounts from a creditor attempting to circumvent the Bankruptcy Protections in place. 

Bank of America should be able to verify BK filings ( as they are readily available public records ) but they did not, they simply executed the request without doing due diligence. 

I have spent several hours now sending documents to B of A regarding this. 

From what I understand - B of A simply disregarded simple Bankruptcy provisions of protection. 

Beyond that - B of A has charged legal fees to my account which shouldn't have been charged given the above mentioned facts. 

I am glad to provide any documentation needed confirming my XXXX XXXXXXXX status.

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