vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit alert shows that someone is using my social security number for fraud activity Also my credit score went down XXXX points Although my credit is frozen The credit bureaus couldnt protect my information even when my credit is frozen.

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 2022-08-29 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Marlette Funding, LLC
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXXXXXX 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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IA

Complaint narrative:
I spoke with Chime XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in regards to my missing money. Each representative states that they can agree 100 % my money just vanished they have said they researched every possible error that could have occurred or a explanation but they are not sure where other then a glitch. They put supervisors on the phone and they tell me the same thing with no explanation on where my funds went or give it back to me or they continue to put me on hold every 3 minutes and then hang up. They keep saying they will escalate the call but have been doing this since Thursday, my rent will not wait because my money is missing out of a banks hands. Sometimes they are telling me I had a balance owed on my credit builder however I received a email XX/XX/XXXX stating my balance to credit builder was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
Self Financial, an XXXX, TX credit repair firm, has taken a total of {$900.00} in unauthorized withdrawals from my checking account in the past few days. I DO NOT have an account with this firm, nor have I ever had any business with them. However, they did this same thing to me last year, to the tune of {$1200.00}. It took filing a fraud report with my bank to get the money back, and that took over a month. In the ensuing time, I incurred overdraft fees and had to scramble to find money. Until that happened, I had never even heard of Self Financial. The same thing is happening now. The company 's phone system will not let you speak to a representative until you enter your account number, so as a non-customer, I can't talk to anyone. I'm at the mercy of their email system ( XXXX ). I emailed them about the problem Friday, XX/XX/XXXX, but haven't heard anything. 

The amounts and dates of Self 's unauthorized withdrawals are : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: AZ

Complaint narrative:
I made a charge on my Macy 's card back in XX/XX/2020 in the amount of {$100.00} as part of an incentive. I never carry a balance on my cards and had not used my card in some time. I immediately paid the balance of {$100.00} XXXX weeks after making the purchase and prior to getting my statement from Macy 's. I paid via XXXX Account and verified that the check had cleared my account. Macy 's never applied the payment to my account referenced above. Once I received my statement showing balance still owed I discovered that the amount was not applied to my account because check was sent to a different Macy 's address. Once I figured that out, I authorized XXXX to pay the amount again and they deducted it a second time from my account. 
Macy 's has now been paid twice, they hit me with late charges through this process and because of that they sent it to collections and charged me further fees associated with the collections.

I never received any information from any collection agency proving proof I did not make the payment as they did not have access to the payment history within Macy 's. I NEVER received any type of Dunning Letter stating that they were going to send me to collections. I only discovered it when I went to take an auto loan out and my score had dropped from High 700 's to Mid 600 's. 
Because Macy 's is unwilling to work with me ( directing me to work with the collection company ), and the collection company refused to remove the collection from my account because they said only Macy 's can do that. I am stuck in the middle with my credit damaged for a {$100.00} charge I paid prior to the due date.

I am demanding this collection be removed from my credit report and I am now filling a complaint with the CFPB against the collection company, Macy 's, and the credit bureau for reporting false information, for charging me late fees and collection fees unjustly, and for the damage it has caused my credit score and my ability to obtain additional loans.

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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was checking my accounts and noticed my Chase checking account I have had for around 20 years was at {$0.00}. I began looking at the account activity i noticed the account had been emptied by a miscellaneous debit for the entire amount of checking account. I called their customer service department to find out what was going on and they only would say that they were closing my account that I haven't touched in about 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditor Advocates Inc
State: MN

Complaint narrative:
I had submitted the payment online to the XXXX for services provided by XXXX XXXX XXXX. The payment went through but then I started receiving communications from XXXX that I owed XXXX XXXX Even after submitting multiple screen prints, confirming that the payment went through, they chose not to work with me and send the information to the debt collector - Creditor Advocates. I suspect this is not the first time they tried to force someone to pay twice for their services. I had to call XXXX to withdraw my payment back on XX/XX/XXXX. I had paid the credit collector on XX/XX/XXXX. Please take a closer look into their billing practices.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
The Phoenix Recovery group of which I have no signed contract of business with keep reporting and verifying inaccurate information with the credit bureau 's I have disputed this for years. At XXXX time this year months back it was removed and now has appeared again. This company is reporting a date of XXXX amount {$2900.00}. This was an court settled dated XX/XX/2018 amount {$1500.00}. The inaccuracies are clear and must be permanently removed under the law of my fair consumer privacy rights, I've even sent the credit bureau 's copy of the removal I want this removed immediately this has caused unnecessary housing hardship for me along with stressful XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I consolidated my federal student loans in XXXX. At that time, I was offered a .25 % loan rate reduction for making payments by automatic withdrawal from checking or savings. That term of my loan agreement was never honored by XXXX. As a result, I have been overcharged thousands of dollars of interest over the last XXXX years. I will also continue to pay thousands more in interest than I was promised during the remainder of my loan term. My current XXXX is 3.0 % and should be XXXX. My loans have been bought and sold multiple times and I have never been able to get any of the loan holders/servicers to listen to me about this issue. My current loan holder/servicer is AES-American Education Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: FL

Complaint narrative:
The original creditor removed the information from my credit report, because it was fraud. 

Another company put it on my report and added fees, on top of that. 

For XXXX, the account was open with identity theft and if the original creditor corrected it on their end, why is a third party, trying to collect debt that was never theirs to start with and giving people a hard time to remove it. 

They need to be held accountable also, they are thieves, fraudulent and misleading the public.

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 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: VA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit alert shows that someone is using my social security number for fraud activity Also my credit score went down XXXX points Although my credit is frozen The credit bureaus couldnt protect my information even when my credit is frozen.

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 2022-08-29 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: NJ

Complaint narrative:
My credit alert shows that someone is using my social security number for fraud activity Also my credit score went down XXXX points Although my credit is frozen The credit bureaus couldnt protect my information even when my credit is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: MD

Complaint narrative:
XXXX XXXX XXXX violated my privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

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 2022-08-29 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: TX

Complaint narrative:
I dont recognize these hard inquiries or ever did them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I signed up for this service based on seeing some videos on XXXX and reviewing customer feedback. 

By XX/XX/XXXX I had had my initial consultation with the agency. Upon the time the call was set to start no one reached out. XXXX, a supervisor who is no longer with the company for deleting data and defrauding customers per the CEO, was let go and has charges pressed against him. 

XXXX never submitted my data, deleted my data, and every time I called in over the last 90 days I was told to just call back and they would review it and set up another consultation. I was lied to every step of the way. 

Last week, I called in to file a complaint with the company, and spoke to the Director XXXX, who promised me that my data was submitted and they had it in their systems, and would scan it and email it over to me the following morning. He never did. 

I ended up writing XXXX on XXXX and XXXX to explain the situation. He was able to call me the next day and express his deepest apologies for the absolutely horrible service, advised me on the ongoing charges and why he fired XXXX. He promised to make things right and personally handle my claim. He advised he would follow up the next day, and never did. I called in, and was told he would call me the following day. He never did. I sent several emails to him, no reply. On friday, XX/XX/XXXX I was told I would get a phone call from him today, I advised I would be filing a lawsuit and passing this on to my Attorney XXXX XXXX. He followed up again over XXXX to advise he would be in contact with me on Monday, today XX/XX/XXXX. He never called. 

I called in to speak with him and got XXXX, the XXXX who told me to file a lawsuit. 

This company needs to be investigated for fraud and mishandling of personal information. Will be filing a complaint with the Texas AG as well. 

XXXX, you had every chance to make this right, and I am sorry you didn't follow through with your word. I told you several times I did not want to go this route.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is in regards to a Citibank XXXX XXXX XXXX mile up card. I am the power of attorney for my mother who has XXXX and I have contacted Citibank and have asked them to close the account. They have said that they can not close the account without the primary on the phone. They said I could not close the account without the POA on file. I went to a Citibank bank branch on XX/XX/22 and met with a branch Manger and we called in and the branch Manager  faxed in my POA along with a written request to close the account. The account has not been closed and we received a bill for a transaction that was not authorized. I called Citibank again today and they said that they never received POA and refused to close account. Please help.

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 2022-08-29 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: TX

Complaint narrative:
Contacted EdFinancial on XX/XX/XXXX to request a refund of payments made. Was quoted up to XXXX months for approval and was not provided any documentation that the request was approved. On XX/XX/XXXX contacted again via phone to inquire time when balance would reflect on the EdFinancial account and was told only at the same time the refund was issued. Asked about processing time to know when refund has been sent to Department of Education and was quoted up XXXX months. Inquired why other services were quoting XXXX weeks and EdFinancial was significantly longer and rep could not give an answer. Inquired how I would know if refund was sent for processing and rep could not provide any information. Inquired of refund would be sent for processing before forgiveness and rep could not answer. EdFinancial is not forthcoming with information and seems to be purposefully withhold information to discourage customers from applying for refunds.

Company response to consumer: Closed with explanation