vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 00:00:00
Product: Credit 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2023, I made a hotel reservation with XXXX hotel reservation, also known as XXXX. XXXX charged my Discover card {$670.00} for the room but did not pay the hotel for the room. I called them and they asked me if I wanted to cancel the reservation. I was fully aware of their cancellation policy, so I did not cancel the reservation. I said No! I need the room to be paid for as agreed! I still need the room! There were three witnesses to this phone conversation. My son-in-law ended up having to pay for the room. XXXX sent Discover false documentation that made it appear as though I cancelled the reservation. I did not. Discover has decided to take the word of XXXX that I cancelled, which is an absolute lie. As you will see in the included documentation, the room remained in my name and was paid for by my son-in-law, XXXX XXXX. 

I cancelled the Discover card used in this transaction after this incident because I did not trust that it would not be subject to additional fraudulent activity, so the new Discover card issued to me will not match the number used in this transaction. That account number will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit 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: AZ

Complaint narrative:
I am a licenced XXXX, very careful about only using my own secure wifi and not clicking on or answering unknown calls or links, etc. Financial and account security is a priority in my life. I opened a Citibank XXXX XXXXXXXX XXXX XXXX approx 3 months ago. When I logged in to pay my bill on XX/XX/XXXX I noticed a {$7000.00} charge from XX/XX/XXXX that was not mine. It showed no vendor or time, only " XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX which according to XXXX is a payment processing service, XXXX. I have emailed them with no response. I received no communication from Citibank about this, no alerts, text, emails, or phone call regarding this unusually large charge. I contacted Citibank immediately on XX/XX/XXXX and filed a dispute on the fraudulent charge and subsequently XXXX follow up calls, the last XXXX to their dispute department at XXXX and the fraud dept at XXXX. On my last call XXXX, they asked me to help them find a phone # for the fraudulent charge, it was at this point that I became concerned that Citibank has no idea what it is doing in investigating fraud. I know the technology is available to scan my card while out in public, but that is not the reason for contacting you. Aside from Citibank 's poor level of service in regards to crediting the charge back ( they haven't yet ), the other reason for my contacting you today is that Citibank appears to have suffered a security breach and compromised my information, which they have denied. On XX/XX/XXXX I received a text requesting I call Citibank at XXXX, an email that looked completely like an email from Citibank, and an automated voicemail identifying as Citibank asking me to contact them to discuss my fraud dispute and listing my credit card #. I didn't click anything, and googled the # and it was not from Citibank. I then called Citibank directly and they verified that XXXX is not a valid number for them. How did my card #, personal email, and phone # get out?

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: CA

Complaint narrative:
I had a loan with XXXXXXXX XXXX XXXX XXXX. I had XXXX issues with XXXX. Then they sold off all of these loans to a company called SST AKA Alorica and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now SST has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to SST Alorica. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I applied for state job at the post office and was asked to provide a fee for applying and to submit application. The information returned voided. XX/XX/2021. I did not receive the fee after applying to the job nor any official email. I found out this was not the actual company that was intended for me to apply.

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 2023-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I got a text from robinhood saying my account was restricted and under review and I didnt violate any of it rules and regulations then later I got another email saying my account was XXXX and it been almost a month and I havent gotten a refund from robinhood yet all attempt to reach robinhood hasnt been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company called LVNV Funding LLC is in Violation of 15 USC 1692f sec 808. This company is trying to collect on a debt from XXXX XXXX XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX am the Agent for this Pricipal. I have requested Validation of this debt per 15 USC 1692g sec 809 and what I mean by Validation of this debt I mean the XXXX XXXX the application that was signed by the Principal to open the account. I want to know who holds the Security now? I think this company is trying to commit Securities Fraud which is a Federal Offense can you please contact the XXXX  and have them open a case on this company that is trying to collect Federal Reserve notes on an Account that has already been paid in full and put a stop to the Fraud that Plaques our finacial system today. I think this needs to be reported to the Department Of Justice also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a loan with XXXX XXXX XXXX XXXX I had zero issues with XXXX. Then they sold off all of these loans to a company called XXXX XXXX XXXX  and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX  has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with Transunion and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had zero problems with XXXX  XXXX  and now there are thousands of complaints since sell off to XXXX  XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a loan with XXXX XXXX XXXX XXXX. I had XXXX issues with XXXX Then they sold off all of these loans to a company called XXXX XXXX XXXX and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to XXXX XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a loan with XXXX XXXX XXXX XXXX. I had XXXX issues with XXXX. Then they sold off all of these loans to a company called XXXX XXXX XXXX and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and EXperian and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to XXXX XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three  agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. XXXX, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. XXXX, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with 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 2023-09-02 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: CA

Complaint narrative:
In accordance to the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
I told XXXX and XXXX and equifax to delete this old XXXX XXXX account because, I have no recollection of ever having this account, and they did but it is still partially on my consumer report under Equifax. Now by law it is the credit reporting obligation to have all my information 100 % correct if not that can result in a violation. 

According to the U.S.C 1681i ( 5 ) they are supposed to modify accounts that isn't reported correctly. 

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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I will show the evidence of 30 violations created by equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I purchased a car at XXXX XXXX XXXX XXXX on XX/XX/XXXX of XXXX. During the paperwork, XXXX XXXX set me up for easypay. I proceeded to check my bank account every month to make sure my payment of {$540.00} was being deducted, which it was. On XX/XX/XXXX of XXXX, I went to Honda Financial Services online to get a payoff amount and noticed a late fee has been accrued every month since I bought my car. I called Honda Financial Services to let them know that XXXX XXXX set up my auto pay incorrectly and I wanted all the fees reversed. The fees totaled {$970.00}. After two conversations with three representatives over two weeks, I was reimbursed {$500.00} in fees but still need {$470.00} refunded. I also reached out to XXXX XXXX XXXX XXXX to advise them of the error but they said there was nothing they could do and XXXX XXXX no longer works for the company. The referred me to XXXX, the general sales manager, but he never returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Did not expect a daily interest rate. Nor the annual ARP of 225 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU

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 2023-09-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Victim of identity theft

Company response to consumer: Closed with non-monetary relief