vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The collection agency is blaming you and you are blaming them. I have not gotten any results with your actions. I will like for you to investigate this matter to the full extent. Read the documentation I have attached.15 USC 1681 states, " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Yall both are participating in this allegation, and I want to have my attorney general involved if you don't honor the law. You understand that the lenders depend on you for accuracy according to the law being stated and by your errors, its undermining the public confidence such as banks and apartments. I can not move due to your carless errors. This account remains inaccurate after every dispute investigation which means in the investigation of XXXX are not performing very well and are not lawful. You are supposed to contact neighbors and other sources to verify the debt. I am wanting to know when are yall going to own up to mistakes and pay me and delete the account. I have attached the collection agency statement about your actions and the credit reports before and after investigation.

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 2023-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
As required by the City of XXXX Fair Notice Ordinance ( attached ), The XXXX failed to provide me with the required 60 days notice prior to my lease ending to raise the rent on the following contract ( copy of lease and renewal communication attached ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX My lease was to run from XX/XX/XXXX - XX/XX/XXXX. The renewal terms with significantly higher and unaffordable rates were not extended until XX/XX/XXXX XXXX days prior to our lease ending. 

At the time, I contacted the manager and let him know that we planned to stay had the lease terms not gone up over 30 % plus an increase in utilities from my original terms. The month to month would be over 70 % increase. I let him know it was simply not affordable for a college student. I also informed him that we were now outside of the 60 day notice period to vacate since these terms were not shared timely. Therefore, the property chose to exercise the 30 day notice to vacate option in my lease terms ( see attached lease section 3 ) I provided a written notice to vacate on Thursday XX/XX/XXXX to the front office ( attached copy ) in accordance with the cut-off time indicated by the manager. I referenced that cut-off time in a subsequent email to the property manager ( no longer with the company ). Subsequently on XX/XX/XXXX I received a request to complete a notice of intent to move with my forwarding address which I completed and submitted immediately. I indicated a move-out date of XXXX on the original request but subsequently moved out on the last day of the lease XXXX/XXXX, completed the move-out inspection, and dropped off the keys. 

To my surprise, at the end of XXXX I received an email that at first glance appeared to be phish. It was a bill for over {$2000.00} with no explanation. I requested info and was told it was due failure to provide proper notice. In addition the property logged a move-out day of XX/XX/XXXX. This is totally false as the keys have been in their possession since XX/XX/XXXX which is the same day that I moved into my new apartment. The address was provided to them ( see attached ). When asked for a copy of move out records including record of receipt of keys, I was informed that the previous site manager was no longer employed. I did everything that I was supposed to and deem this collections effort to be fraudulent and at a minimum a gross oversight by their administration team. 

On XX/XX/XXXX I received an adverse action to my credit on behalf of a collections agency Columbia Debt Recovery DBA Genesis that did not notify me until Tuesday XX/XX/XXXX via email ( not mail ) that they have the debt. I have attached a screenshot of the email which appeared like spam. I had to look the business up and was in the process of reading reports of unfair collections practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
On XX/XX/2023 someone XXXX  XXXX  their self {$550.00} from my account, I tried to get it back through XXXX XXXX  but that didnt work. So I tried through my bank Chime Ive done a police report and everything and they keep denying. I even had a appeal of the decision more than 5 times and its the same conclusion. And when I ask them to send me documents about why and how they denied me all they send me is my police report. And I feel like that is not enough justification as to why they keep Denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
This agency is reporting an inaccurate account which does not belong to me. 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
Upon examining my Consumer Reports, I observed the presence of two tardy payments linked to an account for which I have maintained a consistent record of timeliness. The pivotal function undertaken by Consumer Reporting Agencies entails the accurate depiction of consumer information to the utmost degree. It is imperative that they fulfill this role with the highest level of precision. I wish to underscore that I have consistently met all payment deadlines for the account in question, namely : XXXX XXXX I hereby request a thorough investigation into this matter, accompanied by substantiating evidence in the form of statements validating the alleged late payments. Should such evidence not be forthcoming, I insist that the status of these payments be rectified to accurately reflect their punctual remittance, as has invariably been the case. It is worth emphasizing that I have maintained an unblemished record of punctuality and should not be penalized with erroneous late payment notations. 

I appreciate your prompt attention to this concern. 

Yours sincerely, 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 non-monetary relief
Consumer complaint received 2023-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I reported to CapitalOne some unauthorized charges to my credit card originating with XXXX, XXXX XXXX  XXXX, and XXXX  subscription. My complaint with XXXX was about a tablet sale shown on TV which was paid in full but the company-XXXX- kept charging every month. With XXXX XXXX  XXXX I authorized 1 gift payment. Period. But my credit card was charged many times after that. And I notified CapitalOne about double charges to XXXX for the months of XXXX, XXXX, XXXX, XXXX and XXXX of this year XXXX. 
I clearly requested CapitalOne to LOCK this payment method-credit card- so no more charges be made to my account. I destroyed the credit card to make sure. I have been informed by CapitalOne that they have gone ahead and made a payment again to XXXX. without my consent/authorization. 
I am in contact with the people from XXXX to get a refund for the overpayments and apparently they restored 1 payment. No information from CapitalOne to assure me of any measures taken by them to protect my financial standing. 
I believe this whole issue is FRAUD ridden and request a full investigation and repair of my creditworthiness. This whole process is from XXXX to XX/XX/2023 including the XX/XX/2023 charge to XXXX  subscription.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I was asked to do a voluntary move out and I did just that but they are reporting as a eviction XX/XX/2022 and I called them they told me to reapply to move back I also asked management why is this reporting as a eviction and they replied its not it was a voluntary move out they also sold my information to a creditor who has been calling and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I've applied to the income driven repayment plan over a month ago. I was told it would take two business weeks to process my application. There has been no movement with my application and student loan interest starts in a few days. Edfinancial does not respond to their email feature on their website in their phone lines consistently have a wait time of 400+ minutes. 

When I do get through, I'm told that I just need to wait longer. There has been no escalation or progress. The department of education can do nothing because this is up to the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX. Firm offer of credit XXXX. Insurance XXXX. Employment XXXX. XXXX XXXX The following credit inquiries are related to none of the aforementioned permissible XXXX. Navy Federal Credit Union ( XX/XX/2023 ) XXXX. Navy Federal Credit Union ( XX/XX/2023 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XXXX I attempted to make a purchase for gas on my AMEX platinum card and they declined the purchase even though the minimum account payment was met on the account, and I had available credit to use to purchase. On the same day they denied my food purchase on my Amex Gold account, and I also had available credit as well. Minimum payment was due XXXX. Before the XXXX I had made some payments on the gold card but was unable to meet the full minimum payment by the due date. They had previously approved purchases after the XXXX. I notified them on XXXX to let them know I was going to submit full payment on XXXX  XXXX and they stated that is when they will lift the hold on both card accounts. Unfortunately, I was not able to make the full payment because I have been going through a Hardship at this time. I notified them again on XXXX to let them know my situation and I asked for financial relief options. The representative said that there are NO financial relief options available to me. They said the program options are provided by the system and that there were none available to me. I was in a financial relief program before and paid accounts in full months early and I am ready to enroll in their financial relief program, and I am willing to make a payment to start which is part of their enrollment process. I just need assistance to get this process started and maintain my relationship with the creditor, but to say I dont have an option is not the answer or an option for me because I know that options are available to me, they just seem like they are not trying to be proactive and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Company is now reporting that the bank is reversing payments and also claiming bank is reporting insufficient funds when bank has not reversed payments, as reflected by balance, & no reports of insufficient funds as per balance. A call to XXXX XXXX also confirmed they are not reversing payments & no insufficient fund reports had been generated. If the payments were not applied or provided then where is the money/payments equalling over $ 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 2023-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I initially took out the auto loan in XXXX. I called to ask if they could change my due date because the date they gave was before my pay period. They responded they don't do that. In the fall of XXXX I missed a payment due to a tax bill. Every payment afterwards has been on time. I have payment arrangements that i have kept to the day. XXXX and XXXX of XXXX I sent letters requesting to remove late charges thru my credit repair due to all other payments were on time. I received a letter back from them stating that my request was frivolous and irrelevant. I called on XX/XX/XXXX to ask if I have any options available like deferment and I was advised no, they don't offer anything to help you get back on track. She offered to send a request to the credit dept. to dispute my request and I told her that I had done that already which was why I was calling. I advised that I received the letter from them stating that my request was frivolous. She apologized and ended the call. This company only receives payments. They don't do anything to assist the customer if they have payment issues. Because my payments keep getting reported late, my credit score can not recover. Therefore, I can't refinance my loan. So basically I'm screwed because i can't afford the extra payment to stop them from reporting the payments late every month. Had I known that they don't offer anything to help their customers I wouldn't have taken the loan. It's basically set up to cause you to fail and be stuck in a loan that benefits no one but them. They refuse to offer any option to help the customer at all even though you advise that you are struggling, but willing to continue payments but need a little help. They do not operate like the average finance company that will offer you some form of assistance to keep you on track. They should not be allowed to get away with doing this to people. I will never be able to get my credit on track if this keeps up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 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:
I did a credit report and saw information that was not mine with inquiries that I never made

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 2023-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited a check into Citibank to open an account from my. I waited the 10 business days to get my ATM debit card once I got it I was working out of state in XXXX Massachusetts. ( XX/XX/23 ) I have my card on my XXXX XXXX over there. While my partner was using my physical card in XXXX XXXX XXXXXXXX where I live, I would get the fraud detection alert and clear it up with Citibank after every purchase or so but I recognize that it was purchases from two different places so that could cause the fraud alert. I got back to nyc XX/XX/23 and the next day the XXXX we went on a shopping spree however with every purchase Citibank would detect fraud and put a hold on my account. I would call and clear it up. On the XXXX the same process would repeat with me calling citi bank to unlock my account. I even tried withdrawal from the Citibank atm itself and that also set off a fraud alert and locked my account. Now XXXX  ( XX/XX/23 ) I withdrew {$1000.00} and ordered an XXXX and the fraud detection alert went off again however this time i called to get it removed but they said they could not verify my identity due to my phone number and would not give me any other explanation than their third party verification system would not allow me to use my phone number and there is no other option. They sent a letter that will arrive in 5-7 business days. I can not wait that long because I have a trip to XXXX XX/XX/XXXX meaning if I wait I would have to cancel my trip. I truly believe I am being discriminated against because of my race and living area. I do not believe every other customer at Citibank goes through this type of scrutiny when accessing their funds.

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 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank with XXXX XXXX has called me repeatedly, everyday. They have used about 15 different phone numbers, if not more. They start the calls at XXXX and continue them throughout the day. They leave voicemails on my phone insinuating that legal action will be taken. They have even mentioned me having an attorney. It is extremely stressful. For awhile I did think they were scammers. I have multiple phone numbers that I can share and voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: IN

Complaint narrative:
Filed for bankruptcy XX/XX/XXXX. I reaffirmed my mortgage so it wouldnt be affected. My bankruptcy was discharged XX/XX/XXXX. Since I filed bankruptcy my mortgage is Not being reported to the three credit bureaus even though I reaffirmed the mortgage. I was told to them reaffirming the mortgage just meant it gave me online access to my account. Im not stupid and know thats is not correct.

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