vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I signed up with this company to improve my credit score. I had a savings account with them and they offered a credit-building card. 

They offered to take {$20.00} each month from my checking account and it would be reported as me paying in a timely fashion. What was not disclosed to me, either on their website or on their app is that the payment would not be refunded. I did not purchase anything from them so the {$20.00} was them stealing my money and acting in a fraudulent and hostile manner towards my income. 

After a 12 payment, I stopped it, yet they tried to start another. When I contacted them for the money I had paid, I was told it was not refundable. Yet I signed no documents nor agreed to anything of such manner. When I asked for documentation that I agreed to this company keeping my funds, I was told they would send it to me, but they never did. They have yet to send documentation showing that I agreed to give them {$20.00} for 12 months without getting my money back. 

So basically it's their word saying that I agreed for them to keep my money after collecting {$20.00} for 12 months. There's no documentation that I ever agreed to this company keeping my money. 

Also what they failed to tell me was that whenever I decided to stop paying into their scam, they would report the account closed and that my credit score would go down. 
They reported that the account was closed and my credit score went down XXXX points! 

I signed up with their company to help my credit score, they took my {$240.00} and were nasty and condescending when I requested my money back. They then proceeded to refuse to refund my money to me and reported the account closed after they stole my {$240.00} and had my score go down XXXX points because of the closed account. 

This Kickoff Lending is a fraud and scam. Their goal is to scam innocent citizens of their funds and when we cancel with them, they report the account closed to punish us for not containing to give them our hard-earned money. They know their scam can only last as we continue to pay. But once we stop, they punish us by reporting the account closed, knowing full well, this will cause a decrease in the scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: VA

Complaint narrative:
Sears Mastercard by Citibank. 

XX/XX/year> : {$79.00} charge from XXXX annual account. I disputed the transaction for the second year in a row and the credit card company requested backup. As I do not have an account with XXXX I could provide no backup. As a result, the credit card company charged me for the transaction even though I told them via phone and on the computer that I don't even have an account with XXXX nor their parent company, 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 non-monetary relief
Consumer complaint received 2024-08-08 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: 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. Account Name XXXX. Account XXXX XXXX XXXX. Account XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On Monday XX/XX/XXXX I received a check from my previous apartment complex. I did a mobile deposit in the amount of {$1000.00}. I noticed the check did not clear immediately so I allowed it time to clear. the following day XX/XX/XXXX I logged into my bank and seen my checking account said access blocked I immediately call citi bank and they are stating the check is fraud because the address on the check does not match the one on file. I have given them the number to the company that issued the check and they said they cant call unverified numbers. the number given is the exact same number on the check. On XX/XX/XXXX I asked the company that issued the check to call citi bank and verify the check I was then advised by the company they successfully verified the check with citi bank. I then called citi bank and they said they still cant verify the number that called them so therefore they will not be giving me access to my funds and closed my account. the check is a valid check and citi bank is stealing my funds from me

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 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I am concerned about an increase in my escrow account which results in a higher payment each month. The only thing that is paid from my escrow account are my taxes on my house. The problem is that my previous company, before my loan was sold to my current company, increased my escrow last XXXX. The current mortgage company did an escrow analysis in XXXX and said that my escrow/payment has been increased as of XXXX. The taxes are paid until XX/XX/XXXX, but the mortgage increase begins XX/XX/XXXX and will continue until XX/XX/XXXX when they do another escrow analysis. This company requires an escrow cushion of double the amount that would be necessary to pay the taxes. It seems unfair to require an increase 5 months before the tax due date because the taxes are already paid for XXXX. It also seems unfair to require a cushion of double the amount necessary to pay the taxes. The example on their website says if you are short {$500.00}, your cushion would be a {$1000.00} increase. Why should the mortgage company be allowed to use a consumer 's money for 5 months before it is due and then continue to take in double the money necessary for the next 12 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: IN

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-08-08 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> XXXX Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 
Re : Dispute of Inaccurate Information in My Credit Report Dear XXXX, I am writing you to dispute the following information in my file. I have reviewed my credit report and have identified several inaccuracies. I am requesting that these items be investigated and removed from my report. The items I am disputing are listed below : 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 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 XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. Please inform me of the outcome of your investigation in writing at the address listed above. Thank you for your prompt attention to this matter.

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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Company posted the payment due and date due. I paid it. Next day they posted another payment due. I asked them why and they said because I posted my payment on last day of the cycle, so they posted it as an " extra '' payment for previous month instead of current due payment. Now they insist I still have to pay for this month. Which make my monthly payments paid almost double. This is not the first time this has happened. Why did they post the payment as due if it was to early to pay it and get credit for it? They posted the payment ( monthly statement ) of {$100.00} due on XXXX XX/XX/2024 and I paid it XXXX XX/XX/2024. Next day I logged in and see another payment due and this time {$87.00} 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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-08 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX 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 2024-08-08 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: IL

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Last XX/XX/year>, I received a message on XXXX from an aunt who lives in XXXX. She asked me to please make a transfer to pay $ XXXX to someone, as her account was blocked and she needed to pay urgently. I made the transfer through PayPal using {$XXXX} that I had as a balance in PayPal and requiring {$XXXX} from the bank account linked to PayPal, the total transaction was {$XXXX} due to a XXXX fee. After completing the transaction, I received a message from a relative saying that if I was asked for money in her name, not to transfer it, as it was false. My aunts XXXX account had been hacked, and they were asking for money in her name. I tried to contact PayPal but couldnt, so I filed a claim to put the money on hold and have them investigate the case. At the time, I only had photos and the conversation with my supposed aunt. That was the only evidence I could provide. The money was put on hold, and PayPal said they would respond to the case in XXXX. The response came on Saturday, XX/XX/XXXX, informing me that the claim had been denied and that the money would be given to the thief. I started calling and communicating with many people at PayPal, without finding a single positive response. On the contrary, PayPal said that my money was lost and that there was nothing they could do, and that I should contact my bank. But they said nothing about the money I already had in PayPal ( {$XXXX} ). At no time was I contacted for more information about the case or given the right to explain what happened. The bank XXXX responded for the lost money ( {$XXXX} ) since I acted in time, but PayPal simply turned its back on me and didnt care that I was being robbed. 

Additionally, when I communicated with PayPal ( XX/XX/XXXX ), some employees said that the money was still on hold, but that it should be released because it had been a personal transaction. However, I explained the situation many times without getting a positive response. Apparently, PayPal, even knowing that I was being robbed, gave the money to the thief. They told me to contact the person to get my money back, but I had already reported and blocked them. Moreover, if they are stealing from me and many others, it is logical that they will not return any money. 

That person was able to collect money in several bank accounts. Likewise, virtual accounts in XXXX, XXXX, XXXX, XXXX and XXXX from family and friends of my aunt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 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: UT

Complaint narrative:
I closed the card on XX/XX/year> and paid balance in full. They said everything was closed and completed. I then received another bill with no access to any records and excessive late fees and interest that continues to escalate. They do not speak XXXX  and have no information or authorization to close account and correct damage.

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 2024-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a couch for {$1400.00} from XXXX XXXX XXXX and XXXX in XXXX, FL. The salesman informed me that I can pay half up front ( {$990.00} ) and half later if I choose to. I agreed to that. He informed me that he works with Acima Digital, XXXX. and I can finance the other half through them. This would be called the Early Option, and I chose that one. I read through Acima 's contract and calculated how much I'd need to pay per month in order to meet the XXXX Year No Interest terms, just to make sure I was understanding correctly. I even referenced the chart in the agreement ( attached ) and it reflected exactly what the salesman said. The problem is, that if I DID NOT pay the second half of my couch WITHIN XXXX DAYS, I would be charged {$2400.00}. No where on the page I'm referring to has ANY mention of that whatsoever, and the other language on the chart is extremely misleading. 

The contract is entirely deceptive, and the salesman not once mentioned this exorbiant fee. It is clear that he purposefully left that information out and lied by omission. There is only XXXX sentence in the agreement that even has mention of A XXXX Day Early Purchase Option. All other mentions of Early Purchase Option OMIT the language " XXXX Day. '' Please see attached for a copy of the lease agreement. You will see where the finances are laid out, but fail to mention or inform the lessee of the " XXXX Day Early Purchase Option. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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