vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting Act. 
XXXX XXXX XXXX  XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXX XXXX XXXX Account # XXXX, date opened XXXX 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 an account without my written instructions.

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 2022-05-19 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: NJ

Complaint narrative:
In accordance with the fair credit reporting Act. 
XXXX XXXX XXXXXXXX XXXX, account # XXXX opened XX/XX/XXXX XXXX. 

XXXX XXXX XXXX, Account # XXXX, date opened XXXX XXXX h

as 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
Fortiva is trying to charge me {$2000.00} were ideal image refund them for a membership that I did not use I canceled in the fashion manner. I sent Fortiva proof what it was put back on their account way before a payment was due. I also contact ideal image and they both are saying the same thing they can't understand what happened what but I have proof that ideal image refund for fortiva and fortiva said that they didn't refund it!! 
I feel like it's an matter between the two companies and they need to fix it it's not my responsibility and it shouldn't be on my credit!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Credit Reporting Agency, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Signed contract or Documents with my signature If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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:
Dear Credit Reporting Agency, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Signed contract or Documents with my signature If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene Finance is making it impossible to change escrow payments to myself. They want the request in " writing ''. And also they want a proof that I paid insurance and taxes when they have been paying them from the beginning as the escrow is currently in place. Please help cancel the escrow payments by my mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I filed a dispute in regards to an unauthorized transaction of {$1000.00} made out to XXXX XXXX XXXX I'd like to receive a provisional credit earlier than 10 business days. Most banks would do it but this bank is telling me they legally can not. I have XXXX XXXX  in my account. I need my money back and I need it now. Ty

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have seen an open account on my credit report for the past 5 years that should have been closed. I recently called Chase Auto Loan department to discuss my case and they told me it is closed I do not owe anything there is no balance. But they keep reporting that I am delinquent and I owe {$3.00} but my monthly payment is {$0.00}? I disputed through multiple credit repair companies and I most recently disputed with XXXX and they completed the dispute and it is still on my report it is so frustrating because for over 5 years it have shown that I am not paying this account on time and it has been paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: MD

Complaint narrative:
Fraudulent, please do a full investigation or remove.

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 2022-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: FL

Complaint narrative:
I called XX/XX/19 XXXX as a senior citizens my child was charged XXXX for one semester on private student loan, I called the recovery department spoke to XXXX XXXX he wanted XXXX to release from the loan I get XXXX per mont on social security XXXX I am XXXX senior citizens on the loan, I have only XXXX to be released from the loan, I asked to speak to a Supervisor but he knew his supervisor XXXX was out feeling sick, I spoke to XXXX she said that the company does that because my request for a supervisor has to be met, not matter what department, XXXX knew that department could not help me he transferred me to, this is a game the company plays, wasting our time waiting for someone that has no authority over your account, I spoke to a XXXX he said its company policy to pass you on to any supervisor even if supervisor has not authority over your account, the company need to fined for stringing customers along, they are trained to treat customers unethical. XXXX stated being in collections was judgement of my character, I told him sending your kid to college is not a crime but outrageous tuition and having to deal with Sallie Mae is, I honestly feel this company should be closed down and all employee put unemployment line, they are not there to help you.this company has no compassion for sick, elderly or working poor. the should not give out any more student loans, the treatment is unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX is not treating their consumer/customers right. 
Got a Monthly Statement and had also signed up for Auto Pay.

Monthly statement clearly indicated the following language. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your Account is enrolled in AutoPay.

Your next AutoPay payment of {$79.00} will be deducted from your bank account on XXXXPlease note that the next AutoPay payment may be reduced if you have made additional payments or received any credits during the current billing cycle -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Even their Autopay Information clearly mentions : XXXX XXXX XXXX, thanks for enrolling in AutoPay! 
AutoPay Plan Overview Payment Amount : Statement Balance in Full Payment Withdrawal Date:18 of each month Payment Source : CHECKING Account Ending in XXXX Confirmation XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I bought some more products outside the previous billing cycle, and so my account had a current balance, which I expected to pay for the next billing cycle. 

Instead of acknowledging their mistake they said it is normal and standard practice to deduct an amount up to the statement balance in case the Statement Balance is paid in full and one is signed up for Auto Pay. Instead blamed me saying I should have cancelled Autopay. The information provided is misleading and unethical and against standard banking practices. Instead of making amends and help resolve this issue the reps hung up on me up to three times. 

I sincerely hope you can regulate these BIG Banks and they need to be checked and regulated appropriately and I too need to be in the loop for the steps being taken to make sure they treat customers with at least some respect ( which in the past the slogan would be Customer is King! ). They were least concerned when I told them that I would complain to the regulating authorities.

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 2022-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am attempting to consolidate loans in order to have them forgiven under PSLF. The loans are not reported appropriately from NAVIENT on the FSA site, therefore I am unable to move forward. I am incurring monthly charges and the program will be expiring shortly. I am incurring financial harm due to their ineptitude. They acknowledge that this is a known problem but have made no effort to resolve it. 

I contacted NAVIENT on XX/XX/XXXX and was told it would be resolved withing 2 weeks. It was not. 

I contacted NAVIENT on XX/XX/XXXX and was told a follow up was initiated and I would be contacted within 24-48 hours via email. I was not. 

I contacted Navient on XX/XX/XXXX and was told a supervisor had been notified and would look into it. I requested a contact by that supervisor and am awaiting a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/22 I identified an unauthorized hard inquiry on my credit report by a company named XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I immediately contacted them at ( XXXX ) XXXX and asked why they pulled my credit without my authorization at which time they stated that someone had opened an account with them using my information. They also stated that the account had not been funded. After a series of questions they stated that their Fraud Department would be handling this case and that they would be in touch with me in a few days. I waited a week before calling them to find out what was happening and got nothing but poor excuses. On XX/XX/22 I received an Identity Theft Victims Complaint and Affidavit in which I immediately completed with a Law Enforcement Officer XXXX. Upon completion I emailed it back to them at XXXX per their instructions. On XX/XX/22 I contacted them again to ensure that they had received the Complaint and they refused to tell me anything!! also refused to tell me that they had received it even after they verified my identity, They were acting very suspicious so I went to the XXXX  XXXX XXXX and looked up the Company and was horrified to find multiple issues with this company EXACTLY like mine. This company needs to be investigated and shutdown for its possible criminal activity.

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 2022-05-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX I called and made my automatic payment for my target Mastercard the system stated my total balance was XXXX which is what I paid in full. Well days later on XX/XX/XXXX I received a email with another balance of XXXX. So I called because I thought I was paying my credit card off in full. I called customer service with my concerns and the representative stated they are aware the misconception and they are trying to fix it. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An accordance with the Fair Credit Report act XXXX  Account # ( cant find ) has Violated of my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 ; it also states a counsumer reporting agency can not furnish a account without my written instructions.

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 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXX 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

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 2022-05-19 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account und open end consumer credit plan as lat purpose.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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