vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT 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 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent money to the XXXX thru Western Union money transfer, but they did not only cancelled my transactions, they are holding my money for 23 days now. 

Last XX/XX/2022, I have sent a debit card to checking account transaction to the XXXX amounting to {$1500.00} dollars and the transaction was completed ( MTCN XXXX ). 

Few days after, on XX/XX/XXXX, I sent again {$1300.00} to the same Philippine checking account but this time, I used my checking account ( MTCN XXXX ). Three days after, I received an email saying that the money transfer was not successful because, according to Western Union the bank in the XXXX did not accept my transfer. I was told to wait for 7 days for the refund. Because of this, my payment was delayed and incurred penalties amounting to XXXX XXXX. 

After I received the refund, I immediately sent the money amounting {$1300.00} to the same account, this time, through debit card to checking account transaction ( MTCN XXXX ). The transaction was confirmed on the same day and was scheduled to be received by the bank on the XXXX. I checked the online app and tracked my transfer and it was reflected as COMPLETED, so I released a check believing that the account was already funded. 

On XX/XX/XXXX at XXXX AM, Western Union sent me an email telling me that the latest transaction was again and I need to wait for 7 days for my money to be refunded back to my account. 

I may now be facing legal actions in the XXXX because of Western Unions irregularities, and while I am suffering, my money is with Western Union for more or less 23days ( Transaction to notification of refund : from XX/XX/XXXX to XX/XX/XXXX ; waiting time for refund : XX/XX/XXXX to XX/XX/XXXX ; New transaction to notification of refund : XX/XX/XXXX to XX/XX/XXXX; and then waiting time for refund : XX/XX/XXXX to present, XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
On XX/XX/2022 I went to One Main Financial to make my payoff balance of {$1600.00} using a electronic check from my checking I was inform by representative that my payment would post to my account XX/XX/2022. My payment still have not posted and I dont want to accrued anymore interest on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello I have tried Numerous of times to dispute 2 XXXX federal accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX XXXXl state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being homeless. I have then healed and gotten well and Im just trying to better my situation.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I recently received a copy of my ( TransUnion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof.

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 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Per what is showing and in dispute on my credit report date-XXXX amount- {$810.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX amount- {$590.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-10 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: CA

Complaint narrative:
Order cancelled and never delivered. 
still charged full amount of {$7000.00} on my credit card.

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 2022-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am reaching out in my continued effort for my student loan servicer to be held accountable for its multiple violations of both federal and state law. XXXX and Aidvantage have ignored my multiple requests- which reveal their illegal conduct. XXXX/Aidvantage XXXX XXXX '' to my prior CFPB complaint, completely avoids any recognition of their misconduct. Instead, it applies inaccurate information and glosses over its illegal behavior. 

XXXX and Aidvantage purposely withhold information from student borrowers, steer student borrowers unnecessarily into forbearance, violate FOIA, student borrowers bill of rights, and the HEA. The CFPB must hold the student loan servicer accountable - as they refuse to remedy, or take any responsibility for their abuse of student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I was looking over my consumer report and I noticed that a Charge off is reporting on my consumer report that should not be there because the information is different across the Credit Reporting Agencies which means it's inaccurate and in violation of the FCRA. The IRS also defines what a charge-off is. As defined by the IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I signed up for a Chase Credit Card through Amazon.com. After months of trying to understand why my balance was not moving down, I realized the statement date was the XXXX, but the due date for the payment is the XXXX. I have been paying {$35.00} late fees on a {$35.00} minimum balance. I contacted Amazon & Chase, whom both quickly offered a {$35.00} refund, however, this concerns me that there is an issue with predatory lending. It takes 5 minutes to sign up and get approved for a card on Amazon, and even less than that to spend money on their website. Chase intentionally makes the billing process confusing by making the statement date different than the payment date. Additionally, during COVID, mail was delayed, so by the time a statement arrived, I was already days late making a payment. This has damaged my credit and amassed enormous fees that prevented me from paying down a simple {$1000.00} balance. I feel taken advantage of, and others probably are too. Please look into this and consider making a flat fee+interest on cards -- 100 % of the minimum fee should not be legal. This is predatory lending, and I let Amazon know this damages their brand. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX amount- {$980.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report. Account has been charged offed which then becomes cancel debt. according to the IRS this charge should have been reported as income. XXXX XXXX is reporting inaccurate information to my consumer report monthly which is a violation of 15 USC 1681s-2. This is damaging my consumer report and hindering me from getting additional credit.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX now is reporting inaccurate information on my credit report. Account has been charged offed which then becomes cancel debt. according to the IRS this charge should have been reported as income. acceptance not is reporting inaccurate information to my consumer report monthly which is a violation of 15 USC 1681s-2. This is damaging my consumer report and hindering me from getting additional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX now is reporting inaccurate information on my credit report. Account has been charged offed which then becomes cancel debt. according to the IRS this charge should have been reported as income. acceptance not is reporting inaccurate information to my consumer report monthly which is a violation of 15 USC 1681s-2. This is damaging my consumer report and hindering me from getting additional credit.

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I signed up for a XXXX AMEX XXXX that offered XXXX miles if I signed up and paid the flights fees. After I signed up it would not allow me to book the flight

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed for unemployment benefits with CA EDD in XXXX and had been unsuccessfully trying to get ahold of a live person for 8 months before returning to work and giving up completely. Then once I was laid off again due to Covid, I attempted to contact EDD in order to discuss my claim and why I was able to certify but had never received a payment. At the end of XX/XX/XXXX I finally reached someone at EDD who explained to me that all of my payments had been issued to my Bank of America account... 
An account that I didnt know I had, with a debit card Id never received. I contacted Bank of America immediately to find out how to access MY funds. Just to be told that my account had been depleted and there was no money. BoA sent out 4 cards to an address where I do not even live. I never received a card nor did I have knowledge of an account with BofA. A claim was filed and I was told Id be notified by mail the outcome of an investigation. My claim was denied a few days later with the basis that some of the charges were over 365 days old therefor Im responsible for all of the charges. HOW IS THIS POSSIBLE?! I had NO knowledge of this account so how can I be responsible for it? How is it possible for b of a to tell me I am responsible for money I never even received and then refuse to give me back the money that is rightfully mine and stolen by someone. If Bank of America did their investigation properly then they would know that NONE of those charges made on debit cards they sent to the WRONG address, were made by me. I was never issued a provisional credit during the investigation and the reasoning of because the charges were made over 365 days ago being why Im denied MY MONEY, is unfair and misused considering I was NEVER AWARE I even had money in an account with them. And what about the visa zero liability policy? There are 4 claim numbers total. 

- 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 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I XXXX XXXX XXXX entered into a Membership Contract for a 12-month period starting on XX/XX/XXXX, with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX for a XXXX XXXX making payments of {$9.00} for 12 months for a grand total of {$110.00}, Upon checking my records ( Bank Statements ) 10 payments were successfully paid from the period of XX/XX/XXXX through XX/XX/XXXX, I received a new debit card in the mail in XXXX, having thought I had a membership underneath a different card and that it was being paid as agreed. XXXX XXXX XXXX XXXX XXXX XXXX failed to provide notice that my account was delinquent and steps to resolve through multiple forms of communication such as the email associated with my contract and account XXXX, mail, or phone, instead XXXX XXXX  took a different approach rather than remedy directly such as when I was late once before they sent me an email ( attached ) but as of XX/XX/XXXX my account has been placed with collection with CACI Collections in XXXX, Missouri with a total in the amount of {$59.00} which is grossly overstated and incorrect, secondly when I go on to the XXXX XXXX XXXX Page to view my contract, account information, or even attempt to update or make a payment, I receive ERROR 86 : The amount past due should be {$18.00} for the remaining 2 months out of the 12 months which I accept should be paid as agreed upon. It is my opinion that with XXXX XXXX  handling this issue so unprofessionally, and punctually that I will no longer visit any of their theme parks in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The XXXX XXXX XXXXk XXXX {$300.00} does not belong to me and reports invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.

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