vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
On XXXX XXXX I initiated a consumer transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' After speaking with your representative XXXX on XXXX XXXX, I was informed that there is no application on file. She later stated a soft credit check was indeed performed. If this is true, your company has committed securities fraud. See 18 U.S. Code 1348. My security ( application, signature, ssn ) was given and I received nothing in return. Per section 16 part 2 of the Federal Reserve Act my application is the collateral a negotiable instrument, a promissory note. My application created the money Im applying for. 
The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
XXXX XXXX XXXXXXXX 15 USC 1602 XXXX : XXXX 15 USC 1637 XXXX : XXXX 15 USC 1640 XXXX : XXXX 15 USC 1681o https : XXXX 15 USC 1691e XXXX : XXXX 12 USC 1431

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NC

Complaint narrative:
I have filed several disputes with XXXX and Equifax regarding the Department of EducationXXXX inaccurately reporting my student loan that was forgiven via the Public Service Loan Forgiveness in XXXX of this year. 

I provided XXXX and Equifax with letters from XXXX and XXXX ( dated XX/XX/ and XX/XX/, respectively ) confirming the discharge of the student loan debit in its entirety and a " XXXX '' balance. The XXXX letter includes a line item showing payment in full in the amount of {$39000.00} made to clear the account on XX/XX/. 

The same documentation was provided to XXXX and XXXX and the balances were updated to " XXXX '' with those credit bureaus. 

XXXX and Equifax state the Department of EducationXXXX continue to report the balance and have verified the balance is accurate. 

I submitted disputes to XXXX on XX/XX/XXXX XXXX and XX/XX/ and to Equifax on XXXX XXXX and XX/XX/ regarding the balance being incorrect. I submitted multiple disputes just in case I mistakenly selected the wrong reason. 

I am submitting this complaint against XXXX and Equifax because XXXX and XXXX were able to update the balance correctly after reaching out to the loan servicer/provider. 

However, if it turns out the Department of Education and XXXX are giving out inaccurate information to select credit bureaus, I would like to file a complaint against them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-11-14 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: TX

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.

U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a savings account. On XX/XX/XXXX, I went to a branch location, so I could apply the {$520.00} offer I saw for existing savings accounts. The banker tried her best to apply the promo, but there was no option to apply the promo code. She called tech support and they opened a ticket to look into the issue ( XXXX XXXXXXXX ). 

Since I was not sure when/if the code was applied, I acted as if the code was applied on XX/XX/XXXX, just so I did not deposit the money too late. {$25000.00} was successfully deposited on XX/XX/XXXX. 

I called Wells Fargo on XX/XX/XXXX to ensure the code was applied. I was told that the bonus would be tracked manually. On XX/XX/XXXX, I called Wells Fargo to check the status of the bonus, since I was not sure when the clock on the bonus started ( whether it would be backdated to XX/XX/XXXX or another date ). I was told that the code had actually been applied on XX/XX/XXXX. I am now past the 90+30 days for the bonus.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My complaint is about Capital One bank, about a credit card account. I was told that my account was restricted due to overdue payment, & that all I needed to do was pay about half of the balance due to reactivate my credit card. So I mailed in a check for the ENTIRE balance, and it was delivered, cashed, and posted onto my account. The very day the check posted onto my account I called to have the restriction removed so I could use the card again, but the representative on the phone told me that Capital One closed the account, and I just lost everything I just paid them. No notice WHATSOEVER, in fact it STILL states in my app that the account is still open and just restricted. Then I re applied for another credit card with them, and they DENIED ME?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to open a CD with BMO XXXX XXXX XXXXXXXX. They declined my application because of information received from XXXX. I asked the bank what the information was and they refused to identify it. They said the information came from XXXX. When I contacted XXXX, they gave me a copy of the disclosure report, which is clean of any credit blemishes, there was really nothing in there. They said the bank makes the final call on whether to reject the account. The bank will not tell me the issue. XXXX says there is no issue. I can not get a straight answer from anyone at the bank as to the issue with opening an account. 

The manager has been rude and refuses to explain the bank 's reason. His name was XXXX. He refused to give me his name. He refused to put me in contact with his supervisor. He was a manager. I had elevated the call from the people that answer the phone.

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 2023-11-14 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: PA

Complaint narrative:
Edfinancial is scheduled to take my student loan out of my account on the XXXX of every month. Their auto payment software malfunctioned and now their website claims : " We are currently experiencing extremely high call volume and longer-than-normal wait times. For faster service, please visit Studentaid.gov to see your student loan repayment options and how to apply for a lower monthly payment. '' Because of the extreme volume, no calls can get through and you are left in an endless queue. I am worried because I will be punished for late payment when the issue was caused by their own lack of competence. Edfinancial has yet to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX contacted Wells Fargo Dealer Services. Customer Service would not investigate, and after several years tried to get the incorrect information corrected. Dated XXXX XX/XX/XXXX. 

Account : Wells Fargo Dealer Services Acct # XXXX No information or validation. They do not investigate, they only go in and look at a computer. No validation of the mail, what procedure is used. 

My rights have been violated by the following : - Sharing of my report and posting inaccurate information - the credit report is hindering me and my family from good standings with is costing me and my family more money to acquire better credit scores- Sharing of my report to all creditors that I apply for with the following statement -- " Serious Delinquincy '' This is an adverse condition

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-11-14 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: MO

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account.

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 2023-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
The issue is with Atlas credit company in XXXX, Texas they are constantly threating legal action. Every single day they go to my house knocking loud then park in my drive way and start honking repeatedly for several minutes at a time. They have also go as far as going to the neighbors and telling them that I do not pay my bills. They leave signs all over my fence and car, today they followed me in town till I got home and ambushed me telling me they needed a payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid in full for a balance transfer on XX/XX/XXXX, then on XX/XX/XXXX I requested a new balance transfer. On XX/XX/XXXX the system made an autopayment, that I never setup, for the full amount. They agreed to reverse the payment, but instead of reversing the payment to the new balance transfer, they reversed the one for the old one. It started charging interest. Somebody tried to resolve the issue by transferring the balance but it did not work, I'm still being charged interest and no one at Citi is idoneous enough to fix the issue. The new balance transfer is supposed to start charging interest only in XXXX of 2024. I have invested at least 20 hours on the phone with Citibank, the call center seems to be in XXXX, and even when I'm transferred to a call center in the US they promise to take 3 to 5 days and it never gets resolved. It's now been 5 months of this issue and no one seems to care. No one cares, no one escalates. They are still pending refunding 2 months of interest. They do what they want when they feel like it.

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 2023-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the amount of debt ( XXXX ) that southern management system is currently attempting to collect from me. After reviewing the information provided by your agency, I have discovered that the amount being claimed is inaccurate and does not align with my records. 

Upon receiving your collection notice, I immediately began to investigate the debt in question. After thorough review, I have confirmed that the amount being pursued by your agency does not match the original debt that I owe ( XXXX ). I have kept detailed records of all my financial transactions, and I can assure you that the amount being claimed is incorrect. 

I am requesting that your agency provide a breakdown of the debt, clearly outlining how the amount has been calculated. It is important for me to understand how the total has been determined in order to address this matter accurately. I would also appreciate any documentation or evidence that supports the debt amount being pursued. 

In addition, I would like to bring to your attention that I have not received any prior communication regarding this debt. It is important for me to understand the origin of this debt and any prior attempts to contact me regarding it. I believe that as a consumer, I have the right to be informed about any debt and to receive proper documentation before being pursued for payment. 

I would like to emphasize that I am not disputing the existence of the original debt, but rather the amount that is currently being claimed by your agency. I am committed to addressing my financial obligations, but it is crucial that the correct and accurate amount is established before any further action is taken. 

I am kindly requesting that your agency cease all collection activities until the accuracy of the debt amount has been verified and provided to me in writing. I believe that this is a reasonable request and falls within my rights as a consumer under the Fair Debt Collection Practices Act. 

I am prepared to cooperate fully to resolve this matter, but I must insist on having the proper information and documentation regarding the debt in question. I hope to resolve this issue amicably and promptly, and I trust that your agency will work with me in good faith to reach a fair and accurate resolution. 

I look forward to your prompt response and resolution to this matter. Please address all correspondence regarding this dispute to the address listed below. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( our XXXX XXXX XXXX company ) opened a business checking account with Relay Bank. {$33000.00} money transferred from our XXXX Business account to Relay Bank. 

XX/XX/2023 - Our Relay bank acct was frozen by onboarding specialist, XXXX XXXX. She emailed only one of the business managers ( not the owner that managed bank accounts ) to state that she needed a bank statement showing source of funds ( $ XXXX ). 

XX/XX/2023 - Multiple bank statements ( XXXX XXXXXXXX, XXXX ) was emailed by me to XXXX XXXX, onboarding specialist. $ XXXX still frozen. 

XX/XX/2023 - XXXX emailed stating information under review. 

XX/XX/2023- XXXX email requesting for full bank statement XXXX. I explained to her this was already sent and resent. I requested to speak to her over the phone for her manager. $ XXXX still frozen. 

XX/XX/2023 - XXXX emailed stating information under review again. 

XX/XX/2023 - XXXX stated acct is cleared. Account still frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: MO

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief