vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I provided documentation to both XXXX and XXXX regarding a collection account that XXXX XXXX XXXX XXXX turned over to Credit Systems for collection, which in turn filed a collection account against my credit report. The documentation includes a receipt for payment of my half ( actually more, I paid {$200.00} when obligated for {$200.00} ) in the amount of {$200.00} as well as XXXX 's statement explicitly stating that XXXX XXXX, a mutual client of XXXX who sold us the dog, is obligated to pay the remaining balance. The agreement was made with XXXX prior to it providing its service and once XXXX defaulted, XXXX disregarded our agreement and wrongfully turned it over to collections against both me and my wife who never signed anything. 

Various online disputes and phone calls to both XXXX and XXXX between XXXX and XXXX have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/23 I transferred {$350.00} from my bank account to my new Citibank account I opened XX/XX/23 over the phone speaking to an agent, XXXX weeks later on XX/XX/23 they began closing the account out for no reason, without refunding my funds, spoke with XXXX who said his supervisor would not take the call XXXX refused to file this dispute seems like he didn't file my dispute because he knew my voice was connected to an XXXX XXXX  face and for Citibank to take my money then close my account then allow their agents to not file a dispute seems very odd that a bank would not correct this issue sooner instead I am having to file a complaint to attempt to get my funds back since XXXX left me on hold never filing a dispute wasted an hour of my time with a bank that took my money and refused to refund any of it. on XXXX and I need my money since they have closed the account before this turns into an arbitration... also spoke with several agents who would leave me on hold or hang up on me and they are very bad for a bank that refused to refund my account for fraud ... .they are violating regulation e policy, from XXXX, XXXX XXXX and XXXX XXXX, all of the agents refused to correct this issue by filing a dispute wasting time and causing more issues when fraud when fraud was on my account, and i need my money

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX letters from Bank of America. XXXX letter states they received XXXX applications for a Visa credit card so they are cancelling the XXXX application. The letter did NOT include a phone number to reach out to them for any questions. The XXXX letter states they can't approve the request due to other factors including No deposit or investment balances with Bank of America. Again, they did NOT include a phone number to contact them with questions. I had accounts ( banking and credit cards ) with them about XXXX years ago but closed them all as I was unhappy with their customer service, fees for paper statements/teller transactions and interest rate that I deemed too high. It appears they have kept me active on the marketing side which should have been deleted. When I went into the branch to close out all of my accounts, I specifically told them to remove me and my wife ( who was with me ) from all mailing lists and not to contact us in the future. I was not sure if the application letters were legitimate as there wasn't a contact phone number, until today when the inquiry showed up on my XXXX credit report. In my opinion, they breached my private information by sending out marketing material.

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 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was recently notified on XX/XX/, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud. 

Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to Transworld Systems Collections. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by XXXX XXXX XXXX appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with Transworld Systems Collections. 

I will be contacting XXXX Identity Works once again to ensure this matter with XXXX XXXX XXXX is resolved in as soon possible. 

Please let me know if you require additional information. Thank you. 

Sincerely, 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 explanation
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2023-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Noticed I had two collections accounts on my report from the same entity, just different account numbers with the exact same amount owed which was {$500.00} for both accounts. I requested that these two accounts be validated along with the amount and they would not. Also, I have nvere received any notice of this medical debt which violates the No Surprises Act. This company is also aware that this year, legislation was enacted that prevented medical debt {$500.00} or less from being reported by the bureaus. They added additional fees to the true amount owed so that it would fall just out of the amount and report negatively on my credit. They still have not provided any itemized statement to justify the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: VA

Complaint narrative:
accounts being reported are being list inaccurate : XXXX XXXX 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 explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Getting error code " XXXX Exception unauthorized action.. " from Venmo i need to access my VENMO funds this is completely unacceptable and unreasonable, on top of that i was logged in already and it logged me out. This looks very fraudulent I WANT MY MONEY NOW. after two days if it doesn't open up i will be speaking to my lawyers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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.

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 2023-10-11 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I provided documentation to both XXXX and XXXX regarding a collection account that XXXX XXXX XXXX XXXX turned over to XXXX XXXX for collection, which in turn filed a collection account against my credit report. The documentation includes a receipt for payment of my half ( actually more, paid {$200.00} when obligated for {$200.00} ) in the amount of {$200.00} as well as XXXX 's statement explicitly stating that XXXX XXXX, a mutual client of XXXX who sold us the dog, is obligated to pay the remaining balance. The agreement was made with XXXX prior to it providing its service and once XXXX defaulted, XXXX disregarded our agreement and wrongfully turned it over to collections against both me and my wife who never signed anything. 

Various online disputes and phone calls to both XXXX and XXXX between XXXX and XXXX have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am reaching out because there is a ticket on my XXXX XXXX report that needs to be disputed and removed. I was just informed by my insurance company today, XX/XX/XXXX, that there was a ticket, private ticket on private property reported to my report with XXXX XXXX, for XX/XX/XXXX. I was never informed there was a ticket by XXXX XXXX, I was never ticketed on public or private property, and this is inaccurate information. 

Regarding USAA. I am highly upset with them because they never informed me that they were raising my rates and they did this last month. I initially thought this was a late fee, but I called and they told me they raised my rates about a ticket that should have never been reported and is inaccurate in the first place. I was never informed by USAA that they were raising my rates or anything. I am very dissatisfied by this. I feel like my rights as a consumer were violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: LA

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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-11 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: Experian Information Solutions Inc.
State: LA

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I was notified in XXXX that ALL of my loans would be discharged through the Borrower 's Defense program ( see attachment ). I am a graduate of XXXX. I decided to check on the progress of this discharge and noticed that my loans had doubled in cost on NelNet 's site. They appeared normal ( my pre-discharge amount ) on the XXXX site. That was about XXXX weeks ago. I called the XXXX people to ask if my loans were still going to be discharged and was told " yes '' by the representative. She did advise that it would take time ( up until XX/XX/XXXX ) for the loan discharge to fully be processed. I hung up satisfied with that information. Well, I logged onto XXXX yesterday to once again check for progress and now it is saying that I have 14 defaulted loans and 2 consolidated loans! Shocked and upset, I called XXXX who informed me that Nelnet had not sent them updated information on my loans. I only have 2 consolidated loans so it looks like Nelnet unbundled them from my previously consolidated loans. My loans have been consolidated for YEARS. So, now I have two consolidated loans ( totaling {$83000.00} ) and XXXX individual loans ( unbundled ) loans that have somehow been in default since XXXX. This is untrue because my loans have been in COVID forbearance since XXXX up until XXXX. The XXXX XXXX told me to call the XXXX XXXX XXXX XXXX and I did only to be told once again that Nelnet either made a mistake on my account or has not updated my information but they could see that my loan is in FORBEARANCE and processing a discharge. When I spoke to the Nelnet XXXX she also confirmed that my loans were in FOREBEARANCE and that I did not OWE anything. It's the same thing the XXXX XXXX hotline people told me. Yet, if you go onto the XXXX website it says I have XXXX defaulted loans and that my total is {$140000.00} ( from the two consolidated loans and the unbundled individual loans that make up the consolidated loans! So they are basically saying I owe DOUBLE what I had. They are trying to double-charge me for the loans. I have never missed a payment and I definitely do not OWE {$140.00}, XXXX on my TWO loans. Something seems shady here. I have spent my whole workday on the phone trying to get this all straightened out only to be given the runaround and for XXXX and Nelnet to play the blame game. I just want both XXXX and Nelnet to display the same statuses. I get that I do not owe anything until XXXX ( Admin Forbearance ) while they process my discharge but the unbundling of my loans, the double charges, and the default loan status do not sit well with me. I want it fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MO

Complaint narrative:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with non-monetary relief