vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experion credit report currently shows only 2 active accounts, credit available $ 15K XXXX and XXXX both show about 12 active accounts, credit limit approx $ 400K In other words, Experion 's report is truncated ( a programming problem ). 
I've been trying to get this resolved for more than an year. 
I finally was able to speak to a live person a couple weeks ago, but to no avail. 

I was recently turned down for an auto loan, based on Experion 's report. 
( Went to my bank and they granted a personal loan, no collateral, without delay )

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 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I was completely enrolled with University XXXX XXXX XXXX XXXX  for online classes studying cyber security. My enrollment coach was XXXX XXXX XXXX XXXX : XXXX ext. XXXX. When enrolling I made sure I asked her multiple times does the college accepts vouchers from my employer to pay for the college. The response was yes I never encountered problem with your company and our college I help multiple students from your employer and never had an issue. I made sure I asked because I know Im not financially strong to pay on my own or out of pocket. XXXX XXXX it clear that I shouldnt run into any problems when processing my grades so the school received the payment. 
I was advised to apply for financial aid but not for a student loan only grants and I was not approved. 
After completing the first class with excellent grades and processing the payments. My job notified me that the school was not accepting my payments because they did not list my job to accept vouchers only reimbursement which mean I have to pay first out of pocket then I get my money back. And I was told by XXXX I dont have to do that. The payments can be sent directly to the school and I spoke with multiple employees in the financial aid department and they all said they will fix it not to worry. Also I spoke with XXXX XXXX her name is XXXX XXXX, XXXX, XXXX XXXX : XXXX Ext. XXXX Enrollment XXXX Manager, Enrollment Services. I was speaking with her and she kept pushing to have my job pay for the few and my phone was damaged so their was a little delay with my response, but I told her that my employers are not able to pay because the school doesnt accept it and she never responded and two months later I received a call on XX/XX/2021 from CBE group a debt collection agency saying I owe money. I honestly cant remember the amount that I was told but it was XXXX XXXX and some change. 
I was giving incorrect information and the school wasnt trying to help they were just trying to get me enrolled in classes again. Every time I enter the class room the fee just kept going up and no one was nice enough to say lets fix this issue before you start classes again and your fees keep insurance. They all wanted me to join classes. And didnt care about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I have a small restaurant and about two years was trying to get a new merchant company to lower my credit card fees and in the end I did not go with the company but in the process i was sing to such merchant services to do a try out of how the terminal will work with the purchases in our business. I end up going with another company, the company that I am complaining about never did any merchant services for my business and for the last two years they have been charging my business account {$48.00} without providing any services. After I talked to them I was Told that they will email me a form to fill out so they will stop the withdrawals and when I asked for refund of the monies I was told that someone will contact me regarding that issue within 48 hours, to this day none of that has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, 2 wire transfers were made from my Checking Account, 1 for {$27000.00} and 1 for {$2000.00} without my authorization. I was notified my password to my account had been changed and that these transfers had occurred by email. At the same time, my cell phone stopped working ( it would not get service or make calls ). It was later believed that this may have been connected with the bank fraud in question. I was not able to change my password and log in to my bank without the use of my phone. On XX/XX/XXXX, I was able to get my phone fixed, and thus got access back to my bank. I spoke with people in their fraud departments and filed a report which is currently under investigation. I will need to go to the bank on XX/XX/XXXX ( after Monday 's holiday ) and open a new account and then hope that the investigation has a positive outcome so that my money can be returned to me.

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 2022-01-16 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: FirstPoint Collection Resources
State: NJ

Complaint narrative:
XXXX credit placed a negative report involving XXXX XXXX with an unpaid bill from 2021 with the amount of {$120.00}. I dont have an electric bill because I live in a coop here New Jersey and monthly payments in my coop includes water and electric bills. Ive been living here for XXXX yrs now. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
During the period of XX/XX/XXXX to early XX/XX/XXXX it was determined that I had become the victim of identity theft as someone was attempting to open a bank account using my information. Immediately I worked with Citi bank ( the only credit card company of which I had an active balance ) to review any outstanding charges. I also immediately demanded that my account assoiated with the then card endind in XXXX be terminated and a new card ending ending XXXX was issued to me. As part of this investigation I noticed an unrecognized amount of {$240.00} had been charged to my former CITI account ( ending XXXX ) on XX/XX/XXXX with a description of " XXXX '' from XXXX, FL. As of XX/XX/XXXX, I notified CITI bank that I had NOT made this purchase and that I was not at all aware of this Company. CITI then placed a " SECURITY CREDIT-ITEM UNDER INVESTIGATION '' credit on my new account for the {$240.00}. I have now received a letter from CITI dated XX/XX/XXXX stating the merchant provided them with my address as proof of purchase and, therefore, they threaten to re-charge this amount to my account. However, there has been no such purchase made, the entity/merchant name provided does not exist online nor on record search. I have also made sveral requests to receive an invoice copy of this purchase/charge to no avail as I have not received a response from CITI regarding my several requests. Obviously, I do not believe there is an invoice copy to send to me as I have not made a purchase with this merchant. A invoice ( proof of item purchase ) is demanded for payment to be considered.

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 2022-01-16 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: SC

Complaint narrative:
This Credit Reporting Agency is furnishing information to my consumer report withiut written consent from the consumer. This CRA has willfully violated the FCRA a multitude of times. Pursuant to 15 USC 1681B ( 2 ) These are my written instructions. I need the Two Collections from XXXX XXXX XXXX XXXX XXXX XXXX deleted NOW.

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
American honda financial is illegally reaging my credit report in an attempt to keep negative information on my credit report. They are reporting my payment status as 60 days late when this account has been paid in full for over 3.5 years i've sent several request to ask that they refrain from this activity yet they're still reporting this misinformation in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: GA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 30 plus days of no response.

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 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
I have disputed this collection acct twice that has so many misleading and inaccurate details, it should have been removed. Nobody is investigating hardly anything! The date of service, the date it went to collection was premature of fcra guidelines, lender sent me a balance but it does not correlate with XXXX and XXXX investigated reports. So I assume lender is not being fully honest with them. Report also states no payments have been made, which is inaccurate. My insurance has paid out about {$10000.00} of original charges. This is misleading for future lenders that review my credit report and alters major impacts. If info isn't accurate, it must be removed, it doesn't folllow fcra guidelines, it must be removed ; and I sent out a validation request to lendor BCA and months go by without a response, that alone is supposed to be grounds for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
In XX/XX/XXXX I went into a mortgage forbearance with Rushmore Mortgage due to work loss as aXX/XX/XXXXduring the XXXX XXXX Pandemic. Off and on at work I was made to stay home for for 10 day periods when exposed to XX/XX/XXXX or XX/XX/XXXX I was not in arrears when the covid forbearance started, I had no late payments.. At the end of the forbearance, after the loan modification and loan transfer to another company, I noticed one month of the actual forbearance was marked as late. On the same credit report the 3 months when I was making 3 test payments ( required, before they would to the loan modification ) were also marked late. On another credit report XXXX days was late also, one month of the 6 month forbearance and the 3 months of test payments. There was even a place that said 180 days late. No where in the original forbearance did it say I would be reported as late while following the rules for the forbearance. The test payments required were never mentioned as part of the forbearance but I was not given an option. The test payments were interestingly just slightly higher than the mortgage payment in the loan modification - but they were held not applied as a payment but those months listed as late pays. 
The late payments of course, affected negatively on my otherwise " no late payment '' credit report. I was just closing on a refi, after being out of the forbearance longer 3 months, when the new mortgage company saw the negatives on the last pulled credit report. The new mortgage company tried to help resolve it with Rushmore, since they saw I followed the rules to the T and had good credit in the past. Rushmore has yet to respond to the last dispute I sent XX/XX/XXXX. The new Mortgage company XXXXXX/XX/XXXXXXXX were quite shocked with the lack of customer care. Phone calls, and I made dozens never resolve or answer these isuues. I also lost XXXX appraisal fee thanks to this negative report. 
XXXX XXXX has been difficult for everyone, and in healthcare, besides the obvious risks, it often caused staff to lose work until they tested negative a few times after exposure, causing work loss. I felt like the covid forbearance would give me the time to get XX/XX/XXXXand catch up /keep up on my mortgage without negatives. Sad to see a company seemingly finding a way to punish someone who trusted them to do what the CARES act was trying to do, help people get on their feet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I let Santander know that I never got a car with their company. This is an allegedly debt. I didnt even possess a drivers license when they reported that this alleged debt was created. How can you finance a car without a drivers license. This is sad an a extreme case of identity theft. They sold the debt to XXXX capital. XXXX XXXX says I dont owe them because I let them know that this was identity theft. Santander still tells me that even though they sold it we not attempting to collecting but until we receive payment well continue to report delinquency. So its reporting on my consumer report as a repossession and charge offs every month. Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Around 4 years ago I received a loan from the cash store and requested a 50 % reduction in finance charges from a couple that had been sent to me via email. That coupon was never applied but the cash store has continuously attempted to collect the fees from me. Additionally, they have now reported this as of XXXX to the credit bureau. In XX/XX/XXXX I contacted the cash store and rescinded my authorization to debit my account because out of no where-the attempted to debit my account even after I was told that because of the coupon that the debt was settled- on the very day I contacted them they debited my account and acted as if they were not aware until after the debit. They also repeated contact my references even after and my references asked them to stop and let them know it was a debt by telling them that they were calling from the cash store. finally they would call me on Sunday afternoons between XXXX XXXX which I don't believe they should have been doing. I filed a complaint XXXX/XXXX and XX/XX/XXXX. Since then there have been random phone calls from the cash store, using unknown numbers to me. It is my understanding that there was a ruling against them for some of these reason and they were also supposed to remedy this for consumers affected. I was XXXX of the consumers affected and have received no remedy.

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX financial is illegally reaging my credit report in an attempt to keep negative information on my credit report. They are reporting my payment status as 60 days late when this account has been paid in full for over XXXX years i've sent several request to ask that they refrain from this activity yet they're still reporting this misinformation in violation of the FCRA.

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX financial is illegally reaging my credit report in an attempt to keep negative information on my credit report. They are reporting my payment status as 60 days late when this account has been paid in full for over XXXX years i've sent several request to ask that they refrain from this activity yet they're still reporting this misinformation in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX # XXXX Credit limit 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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit reporting agencies never fail to do proper investigations. XXXX is an alleged debt. Not to mention the balance on my report says XXXX. They said the account is closed they are not attempting to collect because they sold to XXXX capital but then tell me that we will continue to report negatively until you make a payment. Not to mention I didnt even have a drivers license to even buy a car when this alleged debt was created. So how is this happening? This has been tarnishing my credit worthiness for years. Not to mention I never authorized the consumer reporting agencies to furnish this on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My CC Capital One charged me about {$600.00} for five items These were XXXX charges on XXXX female products The order was on a XXXX fraud account that was created in my name but not my login or email address and was confirmed by XXXX it is not me. 
I investigated with the tracking numbers and all XXXX confirmed by UPS that were delivered to address and women that were NOT MY HOUSE and signed by women I do not know. 
Capital One will NOT work with me and will not credit me the funds telling me it is my problem and the products were shipped XXXX my address, WHICH THEY WERE NOT! 
I have called six time to talk to Capital One and they push me off and will not take my proof that is was fraud! 
XXXX agrees and UPS agrees that these were not ordered by me or delivered to me. 

See the documents proving delivery to other address and people and what the products were that were ordered. 
XXXX XXXX XXXX Capital One did not take any responsibility or take any time to help resolve this even after I investigated and have proof. I will also try and fill out a police report for local help. But I need Capital One to take the action expected from a financial institution>

Company response to consumer: Closed with explanation