vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a Citi " XXXX '' card on XX/XX/2022. The XXXX credit bureau had been suggesting cards offering 0 % interest for balance transfers for some time. I chose Citi XXXX for their " 0 % intro APR for 21 months on balance transfers and for 12 months on purchases '' ( Application # XXXX ). The balance I wanted to transfer was about {$4500.00} at the time. I received a letter dated XX/XX/2022 from Citi that stated my credit limit was {$4600.00}. I immediately called Citi to ask about the low credit limit and explained the application was for a " balance transfer ''. The woman I spoke with instructed me to call back to ask for an increase. On XXXX ( XXXX p.m. XXXX ) I called Citi ( phone description XXXX XXXX XXXX ) and explained the initial application was for a balance transfer. After speaking to XXXX, the representative, I asked to speak to a supervisor. XXXX transferred me instead to account specialist XXXX. I again explained the reason I applied for the XXXX card was for the balance transfer promo. XXXX said the Credit Department will review it and I should receive a letter within 7-10 business days. I asked XXXX to make sure to add a note for the Credit Department that this increase is related to the initial application. It doesn't appear that XXXX entered that note because I later received a letter from Citi stating the account was too new for an increase. My complaint is that a {$4600.00} credit limit seems incredibly low for a " XXXX '' cardholder. My credit score was between 750 and 800, on-time payments, no bankruptcies.

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 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was looking on the Washington DC XXXX to find housing for the summer. I found this place that seemed decent and where I wanted to live. I proceeded to email and messaged the XXXX XXXX XXXX which may be a fake name and also the landlord XXXX XXXX which may be a fake name as well. I'm not sure if the lease agreement is even legitimate and I do understand now that I've made many mistakes here in this situation as a first timer. I've sent over the security deposit and first months ' worth of rent and that's a lot of money for me to lose. The persons email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
A request from my Paypal account, requesting a payment for something I never purchased or would purchase came to my personal email on XX/XX/22. When I went into my Paypal account, I found the request, and have alerted Paypal by forwarding the mail to XXXX. The email request did not say what the payment was for, only that it was due. I am providing a PDF copy of the Paypal request, which has the apparent instigator 's email ( but have obliterated my email information and the name, which was not mine ). I am concerned because someone not so alert might followup and send the money requested without checking if they use Paypal often.

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

Complaint narrative:
I have paid full amount to sunrise credit services which is the third party collection company that the original creditor US bank are using. I have disputed the account and provided the evidence that was paid in full to the 3 credit bureaus and the results came back as " partially paid '' from account balance which is incorrect. They have told me to contact the lender which I have and they told me the account is settled so I do not know why the credit reporting agency is have inaccurate information.

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 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Accordingly, 15 U.S.C. 1681 602 ( a ) states, I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2, further states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
{$4000.00} were withdrawn by Western Union ( WU ) from my XXXX XXXX  on XX/XX/2022 with commitment to deliver same in dollars to me in XXXX on XX/XX/2022. BUT when I presented myself on XX/XX/2022 I am offered Guaranies or nothing. Personal visits to WU offices in XXXX where the money was promised delivered on date certain ( XX/XX/XXXX ) gets me " WESTERN UNION TELLS US NOT TO PAY IN DOLLARS. '' And " we are not banks, when we collect sufficient dollars we'll contact you. '' Tel-con to three WU agents in XXXX I am repeated " we are not banks '' and " you can be paid now only in XXXX. '' Nice scam. I rejected delivery in XXXX specifying dollars because WU exchange runs 5 % lower than local exchange houses!. Tel-con to WU US only gets me " nothing is lost you can get your money back when you return. '' Imagine! Instead of receiving contracted amount I am treated as a source of interest free money for WU!

Asking to speak to a supervisor produces, " call back in 20 minutes '' and I'm not allowed to give supervisor 's name. '' Essentially XXXX XXXX XXXX These third party so-called customer support are little more than CYA for the company as no responsible person can be reached unless by pure happenstance!

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

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT ( XXXX ) # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A.

SECTION 2 : STATED 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 AND 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 non-monetary relief
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT ( XXXX ) # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A.

SECTION 2 : STATED 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 AND PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have requested to close the account since there are money sitting in the account and I can not make any transfers between my banks. The whole process is already been more than a week and the account still hasn't been closed yet. Every time when I called, I was told 1-2 business days. I need to get my funds back ASAP.

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 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXXl Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX Accordingly, 15 U.S.C. 1681 602 ( a ) states, I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2, further states a consumer reporting agency can not furnish an account without my written consent.

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 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/22 I sent a dispute letter to you regarding accounts XXXX XXXX, XXXX BXXXX XXXX XXXX stating these accounts were opened using my social security card which is a form of a credit card. The reporting of these accounts on my consumer report are to be excluded pursuant to 15 USC 1681 ( a ) ( 2 ) ( b ). On XX/XX/22 you sent me the results from this dispute verifying they are reporting accurately but how is this possible? When I never gave you written permission ( pursuant to 15 USC 1681b ) to furnish these reports on me in the beginning. I am demanding these accounts be removed from my consumer report as well as the XXXX per violations stated in my previous letter dated XX/XX/22 making that a total of XXXX. The reporting of these accounts has over the months caused me XXXX XXXX XXXX XXXX  and stress.

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 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
This complaint is in regards to the Crypto.com ( XXXX ) USD XXXX wallet which is held at XXXX XXXX XXXX  on my behalf. Im in a predicament whereby I transferred funds from my external bank accounts into this XXXX wallet via ACH. Almost a year later, XXXX froze my account, and require me to validate some previous external ACH transfers into my XXXX USD XXXX wallet. The problem is that I dont remember where I originated the funds from. I asked them for complete details of the ACH deposits in question ( stemming XX/XX/2021 to XX/XX/2021 ) so that I may look at my corresponding bank statements. XXXX said they could not provide that information despite the fact that I have a USD balance, and I would expect them or their program to have easily accessible transaction data as I am requesting. Imagine if I had a fraudulent ACH transfer - how would I claim a regulation E protection when the program manager ( XXXX XXXX refuse to give me the data? I have attached screenshots showing what transactions look like in the wallet, and the fact that they do have complete information for instant deposits.

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

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : 1. XXXX XX/XX/XXXX XXXX # XXXX 2. XXXX XX/XX/XXXX - # XXXX 3. XXXX 4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX 9. XXXX XXXXXXXX

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 2022-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
NOTICE SOME ITEMS ON MY REPORT THAT DONT BELONG TO ME! IN THE PROCESS OF REMOVING ALL THESE ITMES. NOTICE THESE ITEMS IN THE BEGINNING OF XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX, the US Department of Education announced a Limited Time Waiver that would allow previous times of employment in a Public Service job to qualify towards the XXXX required monthly payments on a Direct Loan, if those payments were made on a FFELP loan or a Direct Loan that was subsequently consolidated. Again, on XX/XX/XXXX the US Department of Education made this announcement for a waiver from previous strict rules regarding PSLF. Fedloan Servicing must be the *ONLY* people/organization that did NOT KNOW about this Limited Time Waiver. On XX/XX/XXXX I submitted two Employment Certification Forms/ Applications for PSLF that were signed by my former employers to certify the dates of my employment AFTER XX/XX/XXXX, of XXXX that would qualify for the Limited Time Waiver for PSLF. Again, I submitted two valid and correct PSLF Application/Employment Certification Forms on XX/XX/XXXX in accordance with the terms of the Limited Time Waiver. On XX/XX/XXXX -- - once Again XX/XX/XXXX of XXXX. I received a message from Fedloan Servicing that my PSLF Application/Employment Certification was rejected because my certified dates of Employment were before the disbursement of my Direct Loans. Again, that was the message sent to me on XX/XX/XXXX. The XXXX at Fedloan Servicing, who again must have been the ONLY PEOPLE in the USA to not know about the Limited Time Waiver rejected my two PSLF applications/Employment Certification forms when my forms conform with the literal intent of the US Department of Education goals for the waiver. I believe only high school drop outs are hired at Fedloans because of how XXXX the staff members seem to be or execute over and over and over again. Maybe the staff at Fedloans are not high school drop outs. Maybe Fedloans only hires crackheads from XXXX or XXXX that would also explain the poor servicing experiences Fedloan produces time after time after time.

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

Complaint narrative:
I checked my credit report and noticed inquires from companies that I Have no clue who they are nor did I apply for credit with that institution. I reached out to all 3 credit reporting agencies and disputed them. they said they were accurate which is false I have sense locked all 3 bureaus

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 2022-05-05 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: LEXISNEXIS
State: IL

Complaint narrative:
on XX/XX/2022 I have sent a certified letter to Lexis Nexis pertaining an alleged bankruptcy that they are verifying on my credit report to the credit bureaus. They still haven't replied back its been over 30 days.I have sent this letter multiple times before in the pass with a copy of my id and proof of my address. The company replies back that they can't verify my identity After i have sent the all my proof of my identification. I strongly believe that they are trying to avoid me and my concern about the bankruptcy that they are verifying on my credit report to the credit bureaus. They haven't sent me any documentation of information that used to verify this alleged bankruptcy. If they can't send support verifying documents they have to removed this bankruptcy from my credit report but they won't The company is simply not responding back.

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

Complaint narrative:
I reach out to trans Union customer service about Unauthorized Inquiries on my credit report. I also reach out to the companies that was reported on my credit report. I verbal and sent letters out to trans Union about fraudulent activities on my report. I also have a fraud alert on my credit. Trans Union still refuse to remove the fraudulent inquiries.

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 2022-05-05 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: PA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : XXXX. XXXX XX/XX/XXXX XXXX # XXXX XXXX. XXXX XX/XX/XXXX - # XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : XXXX. XXXX XX/XX/XXXX XXXX # XXXX XXXX. XXXX XX/XX/XXXX - # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation