vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to report a serious issue regarding my Citibank account. I recently experienced unauthorized transactions on my account during a vacation in XXXX XXXX, and I am deeply concerned about the security of my account. 
On XX/XX/2023, I received an email notification from Citibank confirming that a check was deposited into my account. Concerned about the unusual activity, I immediately contacted Citibank 's customer support to inform them that I did not authorize this deposit, nor did my authorized user. Citibank 's representative informed me that they had placed a fraud alert on my account, which was reassuring at the time. 
However, the situation escalated rapidly. Within a matter of hours, several additional checks were deposited into my account, and the funds were subsequently transferred via XXXX and XXXX XXXX to various individuals, none of whom I authorized to access my account or my funds. 
In response to this alarming turn of events, I took the following actions : Filed a formal report with the local police department to document the fraudulent activity. 
Submitted a complaint to the Federal Trade Commission ( FTC ) to report the incident and seek their assistance. 
Informed Citibank of the situation, providing them with all available details and documentation. 
The issue has not been resolved and it is causing a hardship.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern. I have been a long time customer from macys. I never had any issues. Recently I ordered todler clothes. I con an email saying it's delivered at my mail box. Upon checking I didn't receive anything. I tried to resolve this with macys they dismissed me by saying there's nothing we can do. Your responsibility is to pay. Pay for something i.never received. It's unbelievable I need help please I'm sure this isn't legal.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that TransUnion cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, I am providing the following XXXX XXXX Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ XXXX XXXX Account Status Code ] { 88 } Payment Rating : [ XXXX XXXX Payment Rating ] { 89 } Special Comment Code : [ XXXX XXXX Special Comment Code ] I expect TransUnion and XXXX also XXXX! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by TransUnion, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that TransUnion did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX  ] Inaccurate Information : [ XXXX XXXX XXXX XXXX, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX  ] INACCURATE INFORMATION : [ Shows as a Collection XXXX Months, Collection amount and Dates I believe that the reporting of this information by TransUnion has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion or XXXX and XXXX did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that XXXX cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, I am providing the following XXXX XXXX Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ XXXX XXXX Account Status Code ] { XXXX } Payment Rating : [ XXXX XXXX Payment Rating ] { XXXX } Special Comment Code : [ XXXX XXXX Special Comment Code ] I expect XXXX and XXXX also Equifax! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by XXXX, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that XXXX did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Inaccurate Information : [ XXXX XXXX XXXX XXXX, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX XXXX XXXX XXXX : [ Shows as a Collection XXXX XXXX, Collection amount and Dates I believe that the reporting of this information by XXXX has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX or XXXX and Equifax did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-09-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act, I want to highlight how my federally protected consumer rights to privacy and confidentiality, as outlined in XXXX XXXX XXXX, have been violated by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In particular, XXXX XXXX. XXXX Section XXXX A emphasizes my fundamental right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 clearly states that a consumer reporting agency can not furnish an account without my written instructions, underscoring the importance of my explicit consent.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) Section asserts that no consumer reporting agency may include certain adverse information in a consumer report, unless it is related to records of convictions of crimes that precede the report by more than seven years. This provision further safeguards my privacy.

Lastly, according to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any entity to provide inaccurate information about a consumer to a consumer reporting agency. This stipulation reinforces the necessity for accurate and fair reporting.

In summary, I believe that the actions of these accounts, as outlined in the Fair Credit Reporting Act, have infringed upon my rights and compromised my privacy and confidentiality.This stopping me to get new credit cards, get a new card, grow my business and help my family and improve my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act, I want to highlight how my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681, have been violated by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In particular, 15 U.S.C. 1681 Section 602 A emphasizes my fundamental right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 clearly states that a consumer reporting agency can not furnish an account without my written instructions, underscoring the importance of my explicit consent.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) Section asserts that no consumer reporting agency may include certain adverse information in a consumer report, unless it is related to records of convictions of crimes that precede the report by more than seven years. This provision further safeguards my privacy.

Lastly, according to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any entity to provide inaccurate information about a consumer to a consumer reporting agency. This stipulation reinforces the necessity for accurate and fair reporting. 

In summary, I believe that the actions of these accounts, as outlined in the Fair Credit Reporting Act, have infringed upon my rights and compromised my privacy and confidentiality.This stopping me to get new credit cards, get a new card, grow my business and help my family and improve my credit score.

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 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: VA

Complaint narrative:
Over the past 30 days I have attempted to contact EdFinancial via email ( 4 times ) and phone regarding a deferment on my account as my child is still a XXXX XXXX XXXX. The holding times to speak to a representative are greater than XXXX minutes and twice I've elected to receive a call back and did not receive XXXX. Despite the numerous technical difficulties I've incurred with uploading a document on their website ( takes so long that the computer stops communicating ), I eventually was able to attach and upload the required supportive document ( Parent Plus Borrower Deferment Request form ) via my account on their website using different computers and web browsers with confirmation of receipt ... and XXXX business days later have not received a follow up. The form was also faxed with proof of receipt. I have yet to receive ANY correspondence all in this matter from EdFinancial and no adjustments have been made to my account. I am beyond frustrated as there is no other way to contact a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
We gave notice of early lease termination to XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2023, for a final move-out date of XX/XX/2023. On XX/XX/2023 the Early Termination Fee in the amount of {$3700.00} was applied to our account. 

All balances were paid, and account balance was {$0.00} not to include security deposit credit in the amount of {$500.00}. we have accompanying documentation and bank statements, as well as the lease terms regarding lease break fees. As well as a 12 month history of payments, provided by XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2023 a second lease termination fee of {$3700.00} was improperly applied to our account and we received an email with a final account statement on XX/XX/2023 that included the incorrectly applied fee. We immediately called the leasing office for clarification. Unfortunately, we were not able to speak with the management at the time. However, we received an updated statement that same day on XX/XX/2023 that removed the second fee, and updated the account to reflect the correct balances owed. We have a copy of this statement, detailing we are due a refund of {$410.00} Today, XX/XX/2023, we received a call from a debt collection agency " National Credit Systems '' in an attempt to collect the debt that we do not owe, in the amount of {$3300.00} We immediately filed a dispute, contacted the leasing office, and contacted multiple regulatory bodies to include yourself. 

A review of online reviews of this landlord shows that our experience is neither unique, nor isolated. We firmly believe several other households have experienced the same fraudulent practices and we believe an Audit would be in order of this companies finances and practices with collection accounts in arrears, to include fraudulent activity and " Double dipping '' on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello I was trying to solve my problem with my late payments. And I received a phone call stating that they were able to take a payment on my home. Come to to find out the gentleman I spoke with was a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have two loans that have been transferred to Aidvantage. One is due to start repayments in XXXX. It is for {$12000.00} at XXXX XXXX interest for XXXX years. Aidvantage has this calculated as $ XXXX. It should be ~ $ XXXX. 

I called on XX/XX/23 and the service representive agreed with my calculations. She said the loan would be redisclosed and corrected. 

On XX/XX/23, the monthly bill was still incorrect. I submitted an email through the company 's website. 

Today, XX/XX/23, I checked and the bill amount is still incorrect/unchanged. The company is planning to withdraw money from my account on XXXX. I have been on hold today for XXXX minutes with no answer. I tried the chat function and it stated " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
My monthly payments are due on the XXXX. I am being harassed every month by Tower Loans because XXXX XXXX, an office assistant, calls to ask for money BEFORE or ON the day it is due. She does not even give me the time to make the payment when it is due. It has never been late and is usually early. 

I understand XXXX is unhappy that I declined to accept an additional loan offer a few months ago because I refused to fake collateral. I am not going to lie about collateral just so they can create loans. 

On XX/XX/XXXX XXXX called for payment and I told her she needed do her job and look for it because I already made the payment and asked her to stop harassing me. She said she was " following up '' on my payment. How do you follow up on a payment BEFORE the due date? I asked for her manager and found that this business has no manager or finance person. She has no boss. When I stated she is just making up rules each day and doing whatever she wants she remained quiet. I would appreciate someone making her stop harassing customers BEFORE the due date and if need be, CLOSE DOWN THIS LOCATION in XXXX, TX

Company response to consumer: Closed with explanation