vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: PA

Complaint narrative:
I have a heloc taken out in XXXX XXXX. I have called Experian several times and the few times I was able to get a human they have not had a XXXX call me back. In the beginning they told me to file a dispute although I told them it wouldn't resolve it because my credit union reports it correctly and is categorized correctly with XXXX and XXXX. Only Experian categorizes my heloc with my credit card accounts instead of under XXXX XXXX, thereby making my utilization ratio not calculate correctly with XXXX. By their own words on their website the XXXX does not affect utilization ratio because house is secured. Yet, even with my credit union notifying them of this and me sending them info, they have not done anything in this last almost year. All they need to do is move the Heloc from credit card acts and put under XXXX XXXX and XXXX is set up to then calculate it correctly.

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 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: CT

Complaint narrative:
FIRST SOURCE ADVANTAGE LLC IS A DEBT COLLECTOR UNDER THE JURISDICTION OF THE FDCPA. FIRST SOURCE HAS GATHERED MY PERSONAL IDENTIFYING INFORMATION LIKE NAME, ADDRESS, SOCIAL SECURITY AND BANKING INFORMATION WITHOUT AUTHORIZED USE. FIRST SOURCE HAS ENTERED INTO A FOWARD FLOW AGREEMENT WITH XXXX  XXXXAND HAS ATTEMPTED TO COERCE PAYMENT FROM ME ON AN ALLEGED DEBT THROUGH OBSCENE MATTERS BY AN EXTORTIONATE EXTENSION OF CREDIT. FIRST SOURCE WAS DEMANDED UNDER 15 USC 1692g TO VALIDATE THE ALLEGED DEBT AND HAS FAILED TO DO SO AND HAS EVEN RETURNED THE PURCHASED ACCOUNT BACK TO XXXX  XXXX. FIRST SOURCE HAS COMMITTED VIOLATIONS UNDER THE FDCPA AND HAS CAUSED MY FINANCIAL DISTRESS, XXXX, XXXX XXXX AND XXXX. I FEEL UNSAFE KNOWING FIRST SOURCE HAS GATHERED MY INFORMATION WITHOUT MY CONSENT COMITTING IDENTITY THEFT AGAISNT MY RIGHT TO PRIVACY UNDER THE PRIVACY ACT OF 1974 ALSO VIOLATING 18 USC 1028A AND HAS ATTEMPTED TO CEORCE PAYMENT FROM ME IN COMMERCE ON A UNVALIDATED UNLAWFUL DEBT. MULTIPLE ATTEMPTS TO SETTLE THE MATTER IN GOOD FAITH BETWEEN I AND FIRST SOURCE TO WHICH THEY WILLFULLY DISHONORED. I AM TIRED OF DEALING WITH THIS MATTER AND AM SEEKING FOR A SOLUTION.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or 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 2023-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Marcus / Goldmans Sach closed my account because they suspected fraud. After verifying my information, they still closed my account. The investigation took several weeks to resolve and I didn't have access to my money XXXX + During the time that I didn't have access to my money, interest was never paid out when the balance was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
I applied for a loan on XX/XX/XXXX for {$100.00} and received it same day. I attached my XXXX  checking to the account and my loan was due on my next payday which was XXXX, I get paid biweekly. I wake up on XX/XX/XXXX and see they have drafted my account {$110.00}. I was NOT paid on XX/XX/XXXX and now Im short money. I called to get a resolution and they would not let me speak with a supervisor. They escalated my concern and thats all. Oddly enough, after getting the advance, they did not send an email with the repayment terms nor can I view the terms in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I contacted Chime for assistance in moving money from XXXX XXXX to my Chime account. Unbeknownst to me when I XXXX Chime customer service, I was directed to a spoof phone number that originated in XXXX. I assumed I was speaking to a Chime agent. He was, however knowledgeable in the steps required to accomplish this task. I was successful in moving money from XXXXXXXX XXXX to Chime. He then instructed me to send XXXX to his supervisor as 'a test ' and assured me it would not really take money from my account. It did. I was the victim of a scam on an XXXX man. I filed a dispute with Chime the same day. They have denied my dispute twice, stating that 'no error was made '. I never said they made an error. I said I was scammed. I'm getting no satisfaction from Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AmOne Corp.
State: NY

Complaint narrative:
I contacted XXXX about a loan specifically because my credit is currently in bad shape due to personal issues over the past few years. I don't have a problem with the fact that they denied me, as I thought they probably would. 

My problem arises from the fact that, rather than telling me they could not make a loan to me, the representative told me there were some marks on my credit and that he was going to transfer me to an associate to see what they could do to help me. He said that after I spoke with that person we could take a look at loan options again. 

This was deceptive, however, as he knew I'd been denied a loan and he transferred me to a credit repair service so they could pitch their services and offer to help repair my credit for between {$150.00} to {$200.00} or more per month. After the call I looked in my email and found I had already received the legally required " you've been denied a loan, here 's the credit agency info if you want to find out why '' notice while the new rep while trying to sell me credit repair services. They knew I had been rejected. They could have told me so. 

I know how to repair my credit. I don't need a service. I was trying to get the loan as part of my own repair process so that I could show regular on-time payments. 

I don't appreciate that, since XXXX couldn't make money off me through a loan, they tried to sell me to a credit repair agency as a means to still make money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: MI

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX  # XXXX. HARD INQUIRE : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: MI

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX  # XXXX. HARD INQUIRE : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I have consistently made {$100.00} additional principal payments towards my loan each month with the intention of reducing the overall interest paid and shortening the loan term. However, to my dismay, I discovered that HYUNDAI CAPITAL AMERICA has been improperly handling these additional payments. Instead of applying them directly to the principal amount, as requested and agreed upon, they are holding these funds and only applying them to the next scheduled payment. 

This HYUNDAI CAPITAL AMERICA practice has several negative consequences : Increased Interest Payments : By delaying the application of additional payments to the principal, HYUNDAI CAPITAL AMERICA is effectively prolonging the loan term and causing me to pay more interest over the life of the loan than I had initially intended. 
Violation of Agreement : When I made these additional principal payments, I did so with the understanding that they would directly reduce the principal balance of the loan. HYUNDAI CAPITAL AMERICA 's refusal to apply these payments as intended unless I call every month, hold on the phone and actually speak with a service agent to request said extra principal payment be applied to the principal violates the terms of our agreement. 

Financial Impact : This improper handling of payments can have a significant impact on my financial goals. I am being deprived of the benefits of early principal reduction, and this may affect my long-term financial planning. 

Lack of Transparency : I believe that HYUNDAI CAPITAL AMERICA has not been transparent about their policies regarding the application of additional principal payments. If I had been aware of their practice beforehand, I might have reconsidered my financial strategy.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had XXXX Capital One credit cards for over XXXX decades. They periodically change the name of the cards and replace them with new ones. They are charging me $ XXXX annual fee even though if I applied as a brand new customer today that fee would be $ XXXX for this particular card. I requested a no-fee card but they refuse to consider an upgrade or even a downgrade. They are trying to say since the fee was $ XXXX way back in 2002 when I got the original card that this is the fee forever - even though this is NOT the same card that I was originally issued. They are doing this because they can get away with it. Please hold them accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express closed my 2 savings accounts that I had <30 days ( without ANY incidents ). I received an email requesting me to complete a form and submit a copy of my Social Security card and both my accounts will be restricted until I called them. I complied. When I spoke to the " back office/Fraud Dept '', I was told I had to verify ownership of my linked bank account. While in the middle of the three-way call with the bank, I was disconnected from call. I tried calling back for well over an hour with customer service unable to connect me back with someone from the back office/Fraud Dept. When I finally did speak to someone from that department, I was informed that they reviewed my account and decided to close both my savings accounts. When I asked how I'd receive my remaining funds in my accounts? I was told the ONLY way I could receive those funds is by having the original bank ( where the money came from ) transferred back and then THEY would give me the funds back. I stated that account was now closed, and I didnt want the money to go back to that bank regardless and I wanted remaining funds to go to my linked bank ( with verified ownership from earlier ) but I was told no and told it was a banking law. Bottom line, the only way to get MY money back was by going through orig ( closed ) bank where funds orig came from and not by american express where money was deposited ( prior to closure ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
in the past, i was able to unfreeze my acct by telephone. Now I am forced to a website and must enter my social security number for the world to see. 
I don't own a computer and must go the library for access

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 2023-08-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 I have bought a microwave from XXXX from {$510.00} which I never got delivered as I had to cancel the order. 
For many days XXXX refused to issue a refund and I opened a dispute with Citi Bank, the issuer of my credit card. 

XXXX processed a refund on XX/XX/2023 after a lot of insistence and since but since there was a dispute on going, Citi kept the money and never refunded me. They closed the dispute saying that 30 days were passed. 

Now it has been 3 months since the order and I still haven't got my money back : XXXX provided proofs that they sent the money to Citi and they won't process any additional payement. 
Citi didn't answer and I just re-opened the dispute for the third time. I need help to get out of this nightmare.

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 2023-08-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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