vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a claim through paypal for a total of {$300.00} for goods that had not been received. I could not file a claim for a separate order of {$68.00} with paypal due to the window of 180 days. The seller goes by XXXX XXXX and her website is XXXX XXXX XXXX Previously, I had contacted the seller to find a resolution on where my goods were. I should have received my goods by XX/XX/XXXX. I contacted the seller on XX/XX/XXXX & XX/XX/XXXX. Seller did not respond, so I filed a claim through paypal. On, XX/XX/XXXX paypal closed the claim in the seller 's favor. On, XX/XX/XXXX, I decided to contact SchoolsFirst FCU to file a dispute. Schoolsfirst FCU said the window to dispute had passed and they could not assist me in receiving a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am in dispute of the ownership of the account. if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. I will be suing under 15 u.s.c 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
XX/XX/XXXX I need you to attend following shown items in this letter which contains data taken directly from my credit report which you have provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 15 U.S.C. 1681 ET SEQ.Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me and updated credit report reflecting these changes.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am replying to my former case that was closed with no resolution ( The former case was XXXX for reference ) I am still without any miles posted to my XXXX XXXX account XXXX I have contacted XXXX  ( XXXX XXXX ) multiple times with ZERO resolution to get me a business account created. The reps I have called put tickets in for me and told me to expect an email but after an entire month and a half, I still have no resolution to my problem of having no award miles from the card posted. Someone at Citi Bank needs to get out of their chair and make some calls to XXXX XXXX to get my XXXX  business profile connected or created with my one where I can use the miles that are awarded to me. Blaming this on me the consumer to fix is not fair. Citi Bank needs to check who they partner with before placing blame to have the consumer fix the problem. As of now, I am still waiting on my XXXX XXXX  miles that were " sent '' to XXXX  back on XX/XX/XXXX. XXXX XXXX created a business program that was clearly not made correctly when errors like this happen. while yes in Citi Bank 's reply, I did receive the XXXX bonus miles but they were not sent to any way I can access them so calling out the consumer as if this is my issue to resolve is ridiculous. As I have said I have made MULTIPLE attempts to resolve this with XXXX  but they move at a snail 's pace to resolve this issue. Citi Bank needs to make sure that the partners they partner with will fix issues in a timely manner and not drag their feet. I am pasting below the message of my first complaint that was NOT fixed for reference to where I stand with the whole situation. 

The 1st complaint is below I applied and got approved for the " CITI / XXXX  XXXX XXXX XXXX XXXXXXXX '' on XX/XX/XXXX. The bonus terms for opening a new account are " For a limited time, earn XXXX XXXX XXXX XXXX  bonus miles after {$5000.00} in purchases within the first 5 months of account opening '' I spent $ XXXX by the end of the first statement. The statement shows that XXXX miles should be in my XXXX XXXX XXXX account but no account was created when I got the card, a clear error on Citi as well as XXXX  for not having the correct IT to make sure accounts are created correctly for the customer to receive their miles from the card. I have called XXXX XXXX XXXX XXXX over the past XXXX weeks with no updates on creating a business account or getting my miles put into my business account. The customer service reps can see a business card in my profile but no business account ( on XXXX XXXX ) was created to receive any of the miles I got for spending money on this card. As of now, XXXX XXXX XXXX miles are missing.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian failed to conduct a proper investigation of my credit report disputes, despite my submission of supporting documentation, including an Identity Theft Report and proof of payment. Disputed accounts include XXXX XXXX  ( fraudulent ), XXXX  XXXX ( incorrect balance ), XXXX XXXX  ( fraudulent ), and XXXXXXXX XXXX XXXX ( inaccurate reporting ). I request CFPB assistance to ensure compliance with the FCRA and resolution of these disputes.

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 2025-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have attempted multiple times to transfer ( XXXX IRA / XXXX fund ) from TRUIST financial service to XXXX. I have now tried 3 different times and TRUIST keeps blocking the transfer for various reasons : 1. Unable to accept docusign 2. Wet signature in wrong location 3. Unable to access via telephone 4. Have to be seen in person at a TRUIST bank

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 2025-01-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
The mortgage servicing company Shellpoint has force placed insurance on the property and charged it on my escrow account. I have provided on more than one occasion proof of insurance for the property. I have emails to prove they were sent. I also spoke with a representative last call and was told that everything was in order. I currently still have over {$6000.00} of force placed insurance on my account. The stress this company has caused to the point of sickness has taken a toll on me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
No one is allowed to put debts on my credit reports unless the companies verify it is me first this company did not verify it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a XXXX  XXXX XXXX Credit Card. They state I was late paying the account in XXXX. Ive checked and my account has been paid every month on time. Ive disputed it with them.silence. This is fraud.

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$9400.00} Charged off XXXX XXXX **** Date Opened : XX/XX/year> Balance Owed : {$12000.00} Late/Open

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 2025-01-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXX XXXX  XXXX opened on XX/XX/XXXX Amount : XXXX -XXXX  XXXX opened on XX/XX/XXXX Amount : XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I have contacted Federal Student Aid ( " FSA '' ) on several occasions, including reconsideration requests and complaints, informing them that my federal students loans were placed by my servicer in a mandatory administrative processing forbearance for XXXX and XXXX XXXX XXXX for the purpose of recalculating my payments on an XXXX plan. Every instance I contacted FSA, I was met with long wait times and/or individuals who could provide no substantive guidance on the process of my reconsideration requests. Some of my requests have been open since XXXX, and would have been made even earlier but for FSA 's delay in updating my qualifying payment counts leading my to have to wait for them to post completed counts before I could take any action. 

Attached, I have included documentation demonstrating that my loan servicer, XXXX, placed me in a recalculation processing forbearance ahead of the months of XXXX and XX/XX/2024. As per FSA 's own guidance, if a student loan servicer needs additional time to recalculate payments on an XXXX plan and your account is placed in a processing forbearance, up to 60 days of processing forbearance time is eligible for XXXX credit. ( See https : //studentaid.gov/announcements-events/save-court-actions ; see https : XXXX ). Furthermore, federal regulation dictates that time spent in a mandatory administrative forbearance pursuant to 34 CFR Section 685.205 ( b ) ( ( 9 ) ( when time is needed to collect and process documentation supporting a forbearance request - in this instance the recalculation processing forbearance ) qualifies for XXXX XXXX XXXX XXXX ( " XXXX '' ). 34 CFR Section 685.219 ( c ) ( 2 ) ( v ) ( H ). 

FSA has to date failed to credit me with qualifying months for XXXX XXXX and/or XXXX XXXX, despite the fact that I have provided an Employment Certification Form evidencing qualifying employment and separate documentation showing that I was placed in a processing forbearance that qualifies for XXXX pursuant to FSA 's own guidance. I am at XXXX qualifying months, so if either XXXX XXXX or XXXX XXXX become eligible - as they should already be- I would be eligible for loan discharge pursuant to XXXX. FSA 's lack of responsiveness and failure to respond to or take action on my reconsideration requests have prevented me from receiving the XXXX loan discharge that I should have been entitled to in XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Spring Oaks Capital LLC Date of Inquiry : XXXX Amount : {$840.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX {$0.00} XX/XX/year> These credit accounts are the results of identity theft and fraud.

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT COLLECTION SERVICES was assigned a debt from the XXXX XXXX which should not have been sold. My car was in an accident while I had XXXX XXXX and my Attorney was in communication with all parties. My insurance was paid up for the month and I was told that due to the XXXX XXXX deeming the car as 100 % totaled once the case was closed, I had the option to continue or discontinue my insurance I chose to discontinue the insurance since I didn't have a car. The car accident was on XX/XX/XXXX I did not receive my settlement check to purchase a new car until XX/XX/XXXX. I do not owe the XXXX {$110.00} as I opted out of the car insurance before the following month 's payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
I recently review my credit report I was shocked to see that I have been a victim of identity theft. I found a fraudulent closed account on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent closed account from my credit report as soon as possible. Here is the information for closed account XXXX XXXX date opened XX/XX/year>, Account number XXXX, Balance {$6900.00}. I am also attaching Copy of my Driver license, Social security card, utility bill and Idenity theft report. 


Thank you advance.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On Saturday, XX/XX/XXXX, I applied for a Wells Fargo credit card via their website. During this initial interaction, I was immediately approved for this card. I then proceeded to log into their online portal to review this account, I had hoped to take advantage of a 0 % interest balance transfer promotion. However, upon login, I realized that the two phone numbers that they had on file for me were not correct. 

I *had* a Wells Fargo XXXX XXXX account from XXXX to XXXX. That account was closed in full in XXXX. I have not done any business with Wells Fargo since that time. 

The two phone numbers that Wells Fargo had in my online account for this new credit card *were* - past tense - my prior home and work phone numbers. I have not had access to either since XXXX, when I moved from XXXX  DC to XXXX. This is the problem. 
XXXX. I do not know my credit card account number in full because I have not received any print mailing from Wells Fargo. I have not yet received the card after five business days.

2. Without knowledge of this full account number, which their phone support will provide, they would not change the phone numbers on file for me. 
XXXX. The online account would not allow me to add, remove, or edit phone numbers on file. 

Now, a week later, I can not log into my account because of XXXX factor authentication that would send access codes to to phone numbers to which I do not have access. Evidently Wells Fargo does not support account retrieval via email. 

I did XXXX authorize their use of historical information as pre-fill data in the creation of this online account. When I spoke to Wells Fargo customer service on XX/XX/XXXX, XXXX different phone support agents confirmed that the phone number on the credit card application was my correct - current - phone number ... My online account has the association with the obsolete phone numbers. 

At this point, there's a credit card on my credit file that I do not have and can not access. Likewise, there's an online account for a credit card that I can not access, but which will send account retrieval information to two phone numbers that I did not authorize. Three different customer support agents told me that this could not be resolved until my physical card arrives, but this has not happened. This is unacceptable. 

I would appreciate any guidance or assistance from the CFPB. Thank you for your time.

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at XXXX and other institutions, my privacy has been compromised. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent, I have never given written consent therefore this is also identity theft.

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 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Credit acceptance was paid XXXX for the XXXX  by car insurance after accident credit acceptance got XXXX  XXXX  of the 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