vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) Original creditor:XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Someone stole my card to Homedepot I didn't notice the card was missing until I recieved my Monthly Statement. I immediately called to inform them. They reversed the charges and sent me a new card. After a few weeks I get a Statement that shows they reversed the reversal. I called and they told me they denied the claim. I filled a police report and credit card company was suppose to send me more information. I have not recieved any correspondence and they are saying I owe the money. They claim they completed the investigation. Obviously they didn't compare signatures/security footage or do any sort of investigation or they would of clearly seen I wasn't the person who made these charges.

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 2022-09-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act according to account # XXXX, has violated my rights. 
5 U.S.C. 1681 section 602 A.States that i have a right to privacy.

5 U.S.C. 1681 section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account with out my written instructions. 
5 U.S.C. 1666B : A creditor may not treat a payment under a credit card account an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Oklahoma Student Loan Authority
State: LA

Complaint narrative:
This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I have a repossession on my credit report that I have been trying to dispute through XXXX and remove as its beyond the 7 years of its statute of limitations with New City Funding. The date the account was opened was XX/XX/XXXX for {$3000.00}. The vehicle was repossessed in XXXX for remaining balance of {$1600.00}. When I disputed in the past the reporting agency came back and said it was a verified debt until XX/XX/XXXX. I recently disputed it again as its beyond 7 years old and they still wont remove it. Please have them remove it. I feel I have paid the price with the harm its done to my credit score for the last 7 years and it is my right to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TN

Complaint narrative:
Never did business with this company. Requested validation of debt : original contract with my wet signature. Haven't heard from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This account is from a XXXX loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.

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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.

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 2022-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NH

Complaint narrative:
I can't make a payment on my loan because it says " Your account includes TEACH Grant ( s ) only. Limited information may be available on our website. '' Are you KIDDING ME???? I don't have a teach grant nor have I ever had a teach grant. It's disturbing that this mistake has occurred without my knowledge and now I can't make payments on my student loan. I need to know how this occurred and I want this fixed ASAP!!!! You are hurting my financial health and I'm not happy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
This complaint is in regards to 8 unauthorized withdrawal transaction, made from my payroll prepaid wisely debit card. On the dates of XX/XX/2022, and XX/XX/2022, there were 8 unauthorized withdrawal transaction, made to my wisely account in total amount of {$2000.00} dollars on XX/XX/2022 there were 4 unauthorized transaction in the amounts of {$200.00}, {$400.00}, {$200.00}, {$200.00} from a XXXX XXXX atm XXXX bank on XXXX and XXXX in XXXX XXXX the total amount of {$1000.00} XXXX XXXX dollars on XX/XX/2022 there were XXXX additional transaction in the amounts of {$200.00} {$300.00} {$300.00} {$200.00} from a XXXX XXXX atm on XXXX XXXX XXXX XXXX XXXX bank in the total amount of {$1000.00} sum total of {$2000.00} I filled a complaint with wisely Adp but I was told that there were no error had occurred and that was the final response I received. I wrote them a letter requesting the information and documents that were used in there investigation and I have not yet received a reply to my request this Is why I'm filing thus complaint with you guys please help me retrieve my hard earned money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc
State: GA

Complaint narrative:
I moved into the apartment in XX/XX/2019 I had an all electric apartment the lights would flicker on and off fridge wouldnt get cold heat didnt work I report it numerous times to leasing office and management still no help my XXXX XXXX XXXX daughter got sick and my mom passed away I went to my home city for a few days came back I still wasnt fix but I paid rent for XXXX I asked if I could be reimbursed for my spoiled groceries they told me no and the company didnt come fix the problem until XXXX at this point I wanted to break my lease because the apartment wasnt in living condition I was told that I couldnt nor move to a different unit I still have all the emails, work orders as well a shown payments for the months I lived in apartment.. I was told they would contact the property manager and let me know and never gotten back to me no phone call or email..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2022-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I'm very concerned about my background screen I'm going for a big opportunity a better future for me an my children I'm not the same person I was iv senc moved to XXXX and have started a new life iv left XXXX Michigan to better my self nor to be judged on my past imma hard working man iv giving my life to XXXX for the XXXX time I'm being the man the brother the father the son that my family needs and I feel this report isn't given me the opportunity to grow and build the stable career that I need it's not far for a man who given his all to change and helping the youth I help everyone I come across along the way XXXX is good and I intend to continue to encourage and motivate I have XXXX XXXX XXXX XXXX XXXX who needs me all I'm asking for is a chance to be developed into a better leader of many Time brings change and I'm not the same person I was and thanks for the opportunity to speak on my behalf it really means a lot have an a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have just recently filed a complaint number XXXX. The complaint was closed without the proof or documentation. 
American Express did not post the misapplied payment as they stated or adjusted my interest. 
They need to show the proof on my account with payment dates not their word to resolve the matter so there are no more disputes. 
Can you reopen the case and inform them to take a further look as someone did not do the job and they fraudulently stated it was completed. The payment was not applied according to my PDF statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Somehow Kohl 's signed me up for electronic statements. I rarely use the card, but did in XXXX. They did not email me the statement notification like they were supposed to. I did get a statement notification this morning, but the bill was already late and I was charged a {$29.00} late fee and {$1.00} in interest. I worry that they do not send the statement notifications and sign customers up for electronic statements to get additional fees and interest. 

Since I do not use the account often I went on chat to close it. After waiting about 15 minutes I spoke to a XXXX XXXX  I verified all my information and had several holds which took additional time. He then said i would have to call to get the account closed. I worry this is just a way to stall so that customers do not close their accounts. I wanted to share my concerns with the cfpb about kohl 's credit cards behavior and response to my request to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MM RV JV 1, LLC
State: NC

Complaint narrative:
In XXXX and XX/XX/XXXX Interest mortgage ( Mortgage Loan ) processed a loan refinance for me and payed off the previous balance of my loan to my previous mortgage holder XXXX XXXX Mortgage. As commonly occurs the amount initially quoted and paid by me for the payoff was higher than the actual payoff ended up being as I paid an additional month of balance down during the time that the loan was processing. When this occurs, mortgage handlers are required to send the overpayment back to the client. I have received no overpayment back from Interest mortgage. Here are the details : Interest mortgage charged me {$400000.00} for the payoff Interest mortgage was only quoted {$400000.00} for the payoff per the payoff settlement In addition Interest mortgage was quoted interest for a further 2 weeks then I carried the loan with the payoff attached, thus when you paid you actually paid {$360.00} less than the CD settlement summary. 

Therefore interest.com owes me a settlement of {$2300.00} plus {$360.00} = {$2700.00} which I have to date NOT received. 

I contact interest mortgage on XX/XX/XXXX ( to XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX who had all previously been involved on my loan ) with all documentation of Closing document, settlement with my former mortgage company XXXX XXXX XXXX Mortgage ) and the amounts of discrepancy without response. I then contacted customer service at Interest on XX/XX/XXXX, again without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
As any company in the USA you're supposed to receive payments for the services you give and the consumer is supposed to pay it. The thing is that a company like Honda Financial Services will limit you to only making payments through the phone and take away all other possibilities of making a payment like paying online. This is against consumer rights. I should be able to make the payment when and how I want as the consumer with all the options the give. I never heard of a company take away a consumers options to make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Credit card companies publish information that is not current and accurate that they claim come from my credit report.That I should take my concerns to them. when I look at my report it is accurate The companies however do not change your much lowered score and it just stays and it affects how much your limit will be and never move. 
always a shuffle between card company saying it comes from bureaus and bureaus saying they do not know ehere the company got information from in the interim I am stuck with lower score and can not get it fixed. 

one bank in particular chase thruu their credit monitoring has me with 8 late payments and I have not had a late payment in 7 years why should this information be out there about me

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 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am raising this complaint to the CFPB against Capital One for negligence and disregard with respect to a dispute that was filed on my credit card in XX/XX/2022. XXXX XXXX : XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX billed my credit card and refused to give me a refund on this transaction. We were in XXXX to attend a concert on XX/XX/XXXX ; however, I tested positive for XXXX that afternoon and had to go into quarantine. When I contacted the merchant, they essentially brushed it off as not their problem and were not willing to make an exception by issuing a refund. The merchant also failed to recognize that they were engaging in deceptive practices by scheduling their " pre-concert party '' right at the same time as early entry began which is what my tickets had been for ; XXXX XXXX XXXX knew this was an opportunity to take advantage for a quick few extra bucks at my expense and even telling them I was sick didn't phase them because they'd rather me turn their event into a XXXX super-spreader rather than making one simple refund. 

Flash forward to end of XXXX when I submitted this dispute. I explained the situation to Capital One, provided the relevant information they requested including a letter outlining the timeline of events and receipt for the transaction as well as the communication between myself and the merchant. Capital One refuses to do right by their customers and uphold this dispute citing that it lacks all previously requested information needed to validate my dispute. I followed the instructions that were given to me by the agent that shared my claim was denied and uploaded everything to the portal to then be told that nothing I provided was sufficient. I think this is disrespectful and in complete violation of Regulation Z as Capital One did nothing on their part to conduct a thorough investigation and was very quick to side with the merchant over {$410.00}.

Company response to consumer: Closed with explanation