vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent a validation letter to this company on XX/XX/XXXX and they have not responded or sent validation within the 30 days as of today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
Sent validation letter on XX/XX/ company has not responded or sent validation within the 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One indicates that deposits made to checking accounts are available next business day. I deposited a check via mobile deposit on XX/XX/XXXX, and it was not until after the deposit was complete that Capital One indicated the deposit would be available on XX/XX/XXXX. I have no way to stop or modify the transaction, and I called customer service for help. I explained that I deposited the check to cover a housing transaction that will be pulled from my account on the XXXX. I was told by a customer service agent that there is nothing Capital One can do but advised me to call back on the XXXX if the deposit has not cleared. I explained that this does not solve my problem, if the funds are not disbursed next business day, my account will be overdrawn, I will incur a fee, and the housing transaction will be voided. The agent told me there was nothing anyone could do to change the situation. I asked to be transferred to a supervisor or someone else who could help me, the agent told me he was unable to transfer calls, and there is nothing else he could do. Without changing anything about my request, including the language I used, I repeated this request four more times before being told " Oh, you said the magic words, I am able to transfer you to my supervisor. '' I was then transferred to ( presumably ) this agent 's supervisor. The supervisor proceeded to explain to me that agents are unable to honor a customer 's request to be transferred until the " magic words '' are said. I explained that am frustrated because I called customer service for help, and consumers should not be asked to waste time solving riddles, the supervisor patronizingly explained, " until the magic words are spoken, there's nothing anyone can do to help ( the customer ). '' I expressed my frustration that Capital One 's customer service is purposefully interfering with my ability to receive assistance, and pointed out that Capital One would be profiting off this situation, at my expense. I was not provided with accurate information prior to making the deposit and/or Capital One is refusing to follow their published guidelines for funds dispersement, putting the consumer at risk for profit. The supervisor then terminated the call after leaving me on hold for approximately XXXX minutes total. I was on the phone with customer service for XXXX minutes ; Capital One 's agent and supervisor spent approximately XXXX minutes discussing " the magic words '' without clarifying what that means, where information about " the magic words '' is made available to consumers, or how consumers are meant to determine what " the magic words '' are, and XXXX minutes leaving me on hold. The remaining XXXX minutes were spent explaining that this situation is not a problem, and agreeing that Capital One will reap a profit at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act Exeter Finance has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also state a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor my not treat a payment on a credit car account under an open end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: OH

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 ( Accounts names : XXXX XXXX XXXX XXXX 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 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 2024-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: OH

Complaint narrative:
On XXXX I requested to revoke automatic payments on my loan and start making payment via the companies website. This was the response I received " This is XXXX reaching out from Explore Credit. To move forward, you need to send in the latest 90 days of your bank statements in PDF format, a photo of your driver 's license, and a selfie. Once the documentation is received, you also need to send us the revoke request in a written letter to XXXX XXXX XXXX, XXXX, GA XXXX, from your registered residential address within 14 days. If we do not receive the physical letter, your payment method will switch back to auto-withdrawal. If you have any questions or concerns, please call us back. ". Per my loan documentation that I signed this is the requirement for canceling automatic payments " " However, you may revoke this electronic payment authorization at any time by contacting us directly at XXXX or XXXX no less than three ( XXXX ) business days prior to your scheduled payment due date to allow us to process your request. If you revoke your electronic payment authorization, then you agree to make payments directly to us via other acceptable forms of payment by your payment due date above. We will provide you with XXXX ( XXXX ) days notice prior to processing a debit entry that is larger than the scheduled payment detailed above. ". Informed Explore Credit that per Federal regulation all that is required to revoke automatic payments is written or verbal communication. That was provided and the company still refuses to cancel automatic payments. On XX/XX/ they automatically withdrew money from my account after I had revoked automatic payments. The account number for this loan is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: NY

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

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 2024-01-13 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: OH

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 ( Accounts names XXXX XXXX XXXX XXXX XXXX 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 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 2024-01-13 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: OH

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 ( Accounts names : XXXX XXXX XXXX XXXX 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 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 2024-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I have a new Citi XXXX XXXX XXXX credit card. On the XXXX website, they advertise that the XXXX for this card will be 21.24 % XXXX % *based on credit worthiness*. 

I have " very good '' credit ( as categorized by XXXX, the company this card uses to check credit worthiness ), so I was alarmed when they assigned the highest rate -- 29.99 % as my introductory XXXX. 

According to the paperwork Citi sent me with my new card, my XXXX XXXX ( XXXX ) was XXXX at the time the card was issued ( in XX/XX/ ), and according to the Citi website, my credit score is XXXX as of today ( XX/XX/ ). 

Additionally, on my statement, Citi identifies 29.99 % as their " XXXX XXXX ''. 

I called their XXXX number today, and the first representative I spoke with said the only XXXX option available in his system is 29.99 %, so while he understood the reasoning for my concern, he was unable to offer me a better XXXX. 

I asked to speak with his supervisor, who told me that he was unable to explain why " the computer '' had set my XXXX at 29.99 % and there is no one above him who I could talk to about this. 

There are XXXX parts to my complaint : ( XXXX ) it appears that Citi is not actually offering the range of interest rates that they advertise for this card. If someone who has " very good '' credit isn't getting at least a slightly better rate than the " XXXX XXXX '', is their advertising honest? 

And ( XXXX ) If a customer has a concern about the rate they are being charged, it appears that they have no recourse, as the chain of command ends with someone who says there is nothing he can do because a computer makes decisions about rates. On this note, I found it concerning that when I mentioned that a human must be programming the computer, he told me I should not jump to conclusions like that.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
First, I would like to comment on your application process. There does not appear to be a subject that I am complaining about?? 

My complaint is with Experion. They send me emails every other week to tell me my credit score has gone down or up. When I open the email, I find out the score goes up or down by XXXX point with marketing messages. I believe that they use a XXXX point change in credits scores to market additional services or products?? Is XXXX point something that really needs my attention as a consumer????

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 2024-01-13 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
We were originally charged 0n XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$48.00} I called and spent 45 minutes explaining we did not make or give permissin to incur this charge and they refunded it to us on XX/XX/XXXX. Then on XX/XX/XXXX they put the charge back on our account and I called on XX/XX/XXXX and spent 85 minutes talking with 3 sepperate reps and was told that I did not respond to a letter they sent requesting all documentation in regards to my efforts to resolve this issue with the vendor and I explained very clearly that I had no documentation due to that company not having a phone number or email address that i could find. I then explained again that back in XX/XX/XXXX we purchased a 1 month subscription to that company to stream a series.This charge was posted to our account XX/XX/XXXX for {$21.00} then no charges from XXXX were posted on our account after that untill XX/XX/XXXX for {$48.00} which doesnt reflect XXXX monthly amount or the cost for a full year. After explaining my issue to the 3 Represenatives on my XX/XX/XXXX call I said if you can not see your way to returning the charge I would like to close my account They then put me on hold 4 different times while going thru their process of closing an account in seppperate steps. I was on the phone for an additional 65min and when the rep attempted to put me on hold for a 5th time I said close the accountand hung up so I dont think my account even got closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have provided a FTC affidavit and put this company on notice and this company admitted in the resolution they sent that they some inconsistencies on their reporting on the consumer report then in the next line state they found no error this is a violation and admission of damage and fault to my estate. I demand this account be removed immediately. I am a victim of identity theft and this company has open admitted to giving false and inaccurate information to all three credit bureau. This is security fraud Wellsfargo is doing. I have already been contacted with local lawyer about each consumer violations and im thinking about hiring them if this is not fixed immediately. I have put wellsfargo on notice. This company stated multiple lies and inconsistencies but the fcra says a report must be 100 % accurate but this company has failed in doing so. Plus a certificate of indebtedness as this company has admitted should never be reported to the credit bureau because it would be income but the real facts in the matter is this company is admitting to violating my consumer rights and participating in identity and security fraud. I as for the account to be remove/blocked/deleted not for this company to update their already wrong and inconsistent reporting which is a violation of my consumer protected rights. I have included this companies response to the first complaint In this complaint this will make two times I have put this company on notice for the record

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 2024-01-13 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: NY

Complaint narrative:
In order to get a loan payment match from my company, I need a document that shows : 1. My student account number 2. The date of my last payment 3. The amount of that last payment ( {$2500.00} ) However there is no place on the online platform where I can get this. I have contacted Customer Support a few days ago but they have not replied yet and this is a time sensitive issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
For XXXX months I have told them I am now on XXXX and can no longer afford my payment and need to apply to have it forgiven. My health event is permanent and will not change and I have had it for over 15 years. My doctor filled out the required paperwork and I sent it in. They then said they needed the promissory note to provide it to XXXX. I provided that. My loan was due on XX/XX/XXXX. I called today ( XX/XX/XXXX ) and the recording said that they only accepted calls on weekdays. How can this be? ni customer service at all if you call on a weekend? So my note now has an enormous late fee, which I can not pay, and I still do not know the status of my request that I asked to receive in XX/XX/XXXX. 

Dealing with the scam of student loan debt almost makes me wish for my death to happen sooner! I can not keep my sense or will to live going knowing I am no longer valuable to Navient. 

Please let me know what I can do? I was raised to pay my debts, but with Navient, that debt has tripled and I can not afford it on {$1700.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Hello! 

My name is XXXX XXXX XXXX. I am writing to indicate that I have a social security number that is all mine and it is unique. My social security number is the only one I have and also it is the only one that I have ever used. 

Please strike all other social security numbers from my credit file. 
As I have only used one, which is mine, and I will continue to use only one mine for the rest of my entire life. 




YOURS TRULY, 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 non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with non-monetary relief