vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: NY

Complaint narrative:
I contacted XXXX to make a dispute regarding Mohela student loan. I had a student loan through XXXX. The student loan was some how consolidated into 1 and sent to Mohela. It then appeared as a new debt after I received a email stating it was forgiven and now it has effected my credit score. I would like the score changed back to my prior rating as this is not a new debt. There must have been a mix up with in the government with the loan forgiveness and further more and some how this was added back as a new account and it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been disputing a change with Citi Bank since XX/XX/2022. I was in XXXX XXXX XXXX XXXX XXXX I purchased a bracket from a jewelry shop. Once I returned to the resort I noticed that there were 3 changes on my card. Two for the same amount of {$210.00} ( one belonged to the bracelet ) and a change for {$230.00}. The additional change of {$210.00} was resolved with Citi, and that is a story in itself. 

When purchasing the bracket the merchant stated that the internet service was bad and had to try several times to run my card. He then got out another machine and ran it with that one. Because I had three changes, I thought that the two that were not true purchases, would fall off. however they posted to my account. I then filed a dispute with Citi Bank, realizing that the merchant was running my card several times to create several changes. I thought this was an easy fix as I did not make these purchased. 

I have spent several hours on the phone with the fraud department who then stated this is not fraud but a dispute. Was sent back and fourth several times off and on over the course of many months. The customer service was the worst I have come across in many years. I have since filed complaints including with the BBB and finally got the attention of the Citi Bank Executive response unit and was hoping finally someone would resolve my issue. The Executive response unit was very attentive and I was hopeful this would be resolved. On XX/XX/2022, I am notified that I did not have enough evidence to support my case. I am not sure what evidence I would have? My understanding is that the merchant DID not provide a receipt for these purchases. I am at a loss for words with the service of Citi Bank. I am mostly concerned with the merchant getting away with robbery, this is clearly a scam. The money is the least of my worries. It is the point and the lack of protection from my credit card company that is frustrating to me and the reason why I will continue to fight this. I am asking to see what evidence Citi Bank has received that shows I made this purchase. The letter I receive stated to reach out to the merchant. This is laughable to me. This is a small jewelry shop in XXXX, I have no way to contact them. I am asking for a credit for the change of {$230.00} and to ensure that the merchant is held responsible and evidence from the merchant that I made this purchase. 

Thank 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 monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a chase check for {$5000.00} from my father into my chase savings account. It said it would take one additional day to process because XXXX XX/XX/2022 was a holiday. On the XXXX of XX/XX/2022 there was a hold placed on it. They said he needed to confirm his identity via phone. He did this 5 times. I went to a branch and they tried to sort it out, saying that the hold on the check and restriction on my account would be lifted within XXXX minutes. XXXX hours later it was not. I went back and they aaid I was in queue to get the restriction lifted. I called and they then said my father needdd to go in oerson to verify his idenity. They XXXX  said this to me. On XXXX XXXX the funds were released and I initiated a transfer to take them out, which they said would be deposited XXXX XXXX XXXX they canceled it without notice. I went back to the branch and they said my father still needed to go in. He did. There is still a restriction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion XXXX and XXXX is reporting serval duplicate inquires that I didnt do and would not remove them especially transunion and XXXX I had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX Equifax and XXXX is reporting serval duplicate inquires that I didnt do and would not remove them especially XXXX and equifax I had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: PA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.

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 2022-12-30 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: PA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE DELETE UNAUTHRORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXXXXXX there is an inquiry for a credit which I did not authorize on Equifax, XXXX and XXXX XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXXXXXX there is an inquiry for a credit which I did not authorize on XXXX, Experian and XXXX XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Currently have an account with XXXXXXXX XXXX XXXX  This is a line of credit. Balance on credit report has not changed in 3 months after several payments. 

All three reporting credit agencies report wrong balance. 

This affects my credit score. 

I believe XXXXXXXX XXXX XXXX is not reporting correct balances to credit agencies. 

XXXX contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Phone Number : ( 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 non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I did a dispute from my bank on XX/XX/XXXX for the amount of XXXX and its been past the 90 days and i havent heard anything back from them about it and i did another dispute last week for the amount of XXXX and still havent heard anything back from them. I didnt even received any provisional credit or no decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.

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 2022-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
Received a letter from BMW Financial dated XXXXXX/XX/2022. Demanding {$16000.00}. Under Title 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. 
My vehicle was Repossessed and BMW Charged off the amount due as income.

Notice, it is a fact, there was a repossession, that I, the affiant have proof of in Attached letter from BMW Financials which is a DIRECT violation of 15 U.S. Code 1692e ( 4 ) and was fraud and illegal in the collection of any debt. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution.

I for a fact know that my credit financed the entire amount of loan and per SEC documents attached will show the assignment information needed to assign the not under the Security and Exchange Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After filing Indentity Theft with FTC as well as CFPB... I attempted to call Equifax at XXXX of there XXXX numbers XXXX. Asked for the Fraud Department and the woman who answered the phone, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I asked to be connected to " fraud dept ''. The customer service rep would only give me the name XXXX XXXX XXXX  with no employee number.XXXX XXXX advised that she was the " fraud dept ''. I advised I filed FTC report and CFPB and I wanted to call, with sense of urgency, regarding " Inquiries '' being reported on XXXX XXXX  XXXX stated she would need my social security card and another form of identification and she would be sending me documents to fill out ( police report ). I advised my rights according to 15 USC 16811 ( 3 ) ( c ) ( II ) that sufficient information may consist of a standardized form describing general nature of situation ; 15 USC 1681H ( a ) ( 1 ) I am ONLY required by law to provide proof of identity.. my driver 's license would do. XXXX was also in violation requesting that I fill out additional paperwork and it would take up to 5 days.. Nothing in the law requires me to provide additional documents other than what I already submitted prior. This stall tactic is a blatant disregard to our FEDERAL LAWS. 

XXXX was being very disruptive and when I clearly was getting nowhere fast, I asked I could speak with her supervisor. She stated, Well.. that will be hard because there are several. " I asked to speak to the one who is working over her today ( Friday XX/XX/XXXX at XXXX XXXX XXXX ) and she said she could not allow that and I advised her I was going to start recording the actual call and I had to inform her ; however, in the state of Florida, there's a fine line and you can record pretty much any phone call without notice ) XXXX began to get agitated and staying " I better don't ( she actually said that ) record her that they don't allow that and that they were a government branch '' I cut her off and said " What? '' Are you actually impersonating a branch of the Federal Govt? Are you kidding me.. now I am going to record you! '' The phone went dead... I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
I received a letter from XXXX  XXXX  regarding a debt of {$240.00}. This is an error I have tried to remediate with XXXX, but have been unable to since they dont offer an email address to contact them and their phone lines have hold times that go in excess of multiple hours. 

This started because when I cancelled ( XX/XX/XXXX XXXXXXXX XXXX ), I received a bill for XXXX XXXX XXXX Return Fees. This was billed XX/XX/2021. Then {$560.00} was charged to my credit card on XX/XX/2021. I called XXXX who then reversed my charges after verifying they received the XXXXXXXX XXXX XXXX returns. Then I received a bill of {$240.00} as well as your bill for collection of the same. This was in the second week of XXXX. 

I am very busy but have tried to resolve this with XXXX by calling the number on their Final Notice letter. I called at XXXX on XXXX waiting on hold for 40 minutes and 41 seconds. I called back to request that I be put on the call back line but got through to someone, who then said they couldnt resolve it, that it needed to be handled by their billing department. XXXX then transferred me, keeping me on hold until XXXX ( over an hour ). I dont have this amount of time available. I dont know why I cant just respond to them in email. They called me back and I spoke with XXXX in billing. She has said that this bill is in error and that I do not need to pay it. 

In summary, this debt is invalid as I have returned both XXXX XXXX  which XXXX has confirmed and there are no remaining debts to be paid, which XXXX has also confirmed. 

I sent a slightly altered form of the above message to XXXX  XXXX, but they didn't respond and instead chose to transfer the debt to FRONTLINE ASSET STRATEGI, who then set a Derogatory Mark against my credit. I have a credit rating of XXXX which is considered " Excellent '' but it has this mark for a minor charge which is unfair. It's worth me to just pay for it, but I don't want to due to the principal of this since I followed the rules set by XXXX and returned the items that I had borrowed ( the items simply allowed me to have adequate coverage that I was already paying for, from XXXX ). 

I've attached the original letter I mailed to XXXX XXXX, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXXXXXX XXXX account number - XXXXXXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number - 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