vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Home Depot balance was paid off twice by mistake and I can not get the money refunded. I have a XXXX XXXX dollar credit that they will not pay me. They have had this money for almost one month. I have called every seven days for 21 days ( 3 telephone calls ) trying to get either the money returned to me OR returned the money to credit card company who sent the check to them. I am told I will get it in a few days by numerous employees and 21 days later they still keep the XXXX XXXX dollars!! 

Balance of {$5300.00} I paid {$390.00} on XX/XX/XXXX I paid {$5000.00} on XX/XX/XXXX Balance then XXXX. And then XXXX XXXX paid {$5000.00} on XX/XX/XXXX This leves a credit of {$5000.00} As soon as I realized that the extra payment was made ( on the XXXX or XXXX ) I telephoned Home Depot and I asked for them to send the XXXX XXXX back to XXXX XXXX. Second call on XX/XX/XXXX, a " supervisor '' stated she needed more information which I provided her and I was told I would have a refund in a " few '' days and she verified my bank account. Today now 21 days later I still have no refund nor has XXXX XXXX received a refund and I called again. Now asked for the SAME information I provided on XX/XX/XXXX to the " supervisor ''. Now they say it will take an additional 17 days. Keep in mind they have kept XXXX THOUSAND dollar since XX/XX/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 monetary relief
Consumer complaint received 2022-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX for Volkswagen credit inc, has violated my rights.

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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on my account that is CURRENT right now under an open and consumer credit plan as late for whatever purpose. 


I have been going through immense financial hardship due to my son being diagnosed with XXXX and not having any help so my car was reposted. I got 2 months assistance for XXXX and XXXX for Volkswagen credit and they said okay no problem this will report as current on your report, no it is not!! Showing Im 2 months late, again!! They will not remove the repossession off my credit even asking them to dispute it. I am a single mother trying to fix my credit and they are charging me all these crazy fees even after I spoke to someone saying if I got my account current they would removed the late payments with me. When my son was diagnosed I had a choice - either to give him all the therapy he needed to help him strive and quit my job to do that or keep my job and have my son not get the help he needed. This was a legitimate financial hardship and they are tearing my credit apart and violating my privacy rights all of my credit with all of these reporting like I said, the representative told me would be removed after said account was up to date and still is reporting at late. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am impacted by the Equifax data breach. I'm a victim of cyber theft due to Equifax 's negligence and failure to protect my private and person information. Equifax has failed to keep myself and many others informed of the data breach when they learned it had taken place initially. They chose not to react accordingly. This a serious matter and Equifax needs to be held accountable for the breach of my data. The dates of the breach that I was informed of two days ago started back in XXXX XXXX XXXX. The courts have ruled in the favor of us impacted victims and have awarded Equifax to pay us victims what we are owed. I have yet to receive any monies nor did Equifax issue me an apology. I have filed an incident report in regards to the cyber theft that has impacted me, printed out a copy of all my credit reports and have put a security freeze on several companies who have my personal information on file. I have read hours and hours on this Equifax data breach settlement to understand my rights and what I need to submit to Equifax. This is a scary position to be in knowing that folks have access to your private and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NC

Complaint narrative:
I would like to see the Description of Procedure of Reinvestigation that was conducted to verify my account from the reporting that was claimed to be identity theft however came back verified to claim ( 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 2022-10-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I would like to see the Description of Procedure of Reinvestigation that was conducted to verify my account from the reporting that was claimed to be identity theft however came back verified to claim ( 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 2022-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland company is taking me to court claiming I owe them money. I never sign a contractual agreement with midland funding. I am not aware of this company and their claims. I have been dealing with court hearing since XXXX. I was told by the Plaintiff advice me to complete a fraudulent report to file an identity theft. Judge also advice me to fill out a report on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I was a victim of identity theft in my information was used to open bank accounts for a mobile cell phone service and several checks were fraudulently wrote in my name when information was leaked the two of the agrees with XXXX XXXX XXXX icons a local police department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Received a debit card from m & t bank with my name and address on it. I never opened this account. When I called on the phone, my social security number was also attached to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AK

Complaint narrative:
Good afternoon, Since XX/XX/XXXX I've repaid {$13000.00} on my federal student loans through Great Lakes Student Loans. Due to the announcement concerning student loan forgiveness, I requested the full amount to be refunded on XX/XX/XXXX. I was originally told 25 days for it to be processed. Today is the 60 day mark, and it has neither been refunded nor has my XXXX XXXX XXXX XXXX account been updated to reflect the balance. I've called and emailed customer service a total of four times, and each time was simply told it was being processed without a clear time frame as to when. I was also concerned that each time I asked to confirm the amount to be refunded, they were unable to confirm the amount I calculated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
FedLoan currently holds all the loans that I finished paying before the loans were transferred to XXXX. I called at the end of XXXX ( about two weeks ago ) and confirmed that I would be receiving a refund on all those loans and would be getting the money in my account in 6 weeks. It has now been about 8 weeks and I still have not seen the money and I can not see any open loan balances in my FedLoan portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2022-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax/Equifax credit bureau removed the reinvestigation remark after my first complaint. Today I received a notification they added the same remark on the same account for XXXX XXXX XXXX. This is very frustrating because I have proof they are not reading my complaints by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a previous complaint against Bank of America, complaint ID # XXXX because BofA allowed unknow criminals to transfer money from my credit card without my knowledge or consent to my checking account and then perpetrate a Fraudulent " XXXX '' transfer to unknown criminals. BofA failed to call me on my phone which they have had on file for decades. In the past Bank of America declined transactions deemed suspicious to a " Roofing company '' working on my Texas property, causing me to call them on my cell phone number on record to have them approve the transaction. BofA never called me on the phone number of record during this fraud scam, even though the amount was higher than my other transactions which were denied. 

On XX/XX/2022, I received CFPB follow up email informing me that BofA responded to my complaint that it is still working on my issue. But Bank of America instead transferred my credit card balance including the $ XXXX fraudulent debt to " XXXX Bank '', TEL # XXXX in an apparent effort to avoid their responsibility and damaging my credit score. Note that in the 30 years I have been a BofA customer, I never been late in paying. I however told them that I will not pay for a Fraudulent debt nor the interest and would pay if thye remove the Fraudulent debt

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 2022-10-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 2022-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I requested a refund from Aidvantage at the end of XXXX ( about two weeks ago ) and confirmed that I would be receiving a refund on all my loans held by them and would be getting the money in my account in 6 weeks. It has now been about 8 weeks and I can see the loan balance restored on my account, but I have not received a refund and I have not been given any clarity about how I would be receiving the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2022-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2022-10-23 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: FL

Complaint narrative:
I received a credit alert on XX/XX/2022 stating someone just viewed my credit, I proceeded to add a Freeze on my credit report. I contacted Equifax on XX/XX/2022 after I noticed both inquiries from XXXX. XXXX  XXXX XXXX and XXXX XXXX that weren't mines and spoke with a Supervisor by the name of XXXX  who suggested I fill out a FTC report and fax this form over to have the 2 inquiries removed from my reports. I sent over the FTC report with my I.D . and social security card and the inquiries are still on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: TN

Complaint narrative:
original complaint # XXXX I went through the process of filing a complaint against this company through your office and they responded that it had been closed due to verification of receipt of payment at original service date. Now I am getting another notice for the same item

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2022-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # 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 2022-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is in regards my Truist Money market account ending in XXXX. On or around XX/XX/2022 I noticed that there was an administrative hold in the amount of {$8800.00} on my funds. I called Truist to find out why. They gave me a number to call. That led to speaking with someone at a lawyers office, XXXX and XXXX who said it was a garnishment, scheduled for XX/XX/2022. After communicating with them several times they decided to dismiss the garnishment. 

After I received the documents, I took them to my branch on and around XX/XX/2022, showed them legal documents that shows the dismissal. I was still told they wont be able to release the funds to go back into my account. so they cant do anything before XX/XX/2022. 

I noticed yesterday that Truist paid this lawyers office on XX/XX/2022 in the amount of {$8800.00}. 

I need assistance getting back my {$8800.00} back into my account. XXXX and XXXX dismissed the garnishment but TRUIST STILL gave them over {$8000.00}.

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 2022-10-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # 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 non-monetary relief
Consumer complaint received 2022-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # 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 response to consumer: Closed with explanation