vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: OneMain Finance Corporation
State: CO

Complaint narrative:
Fraudulent access to my consumer credit report after misleading practices which have been reported to the Federal Trade Commission today, XXXX. I did not give One Main Financial permission to run my credit for a vehicle collateral loan. I do not have a vehicle to put up for collateral, so I would not be applying for a loan that requires it. The prequalification assured that no hard inquiry or credit pull would show up on my credit. The hard inquiry is on my credit and the One Main Financial Customer Relations Department refuses to remove it. I called XXXX and spoke to XXXX today at XXXXXXXX XXXX and I also submitted another complaint ( after sending one via email and speaking to two representatives that promised the inquiry would be removed from all credit reporting bureau reports ) via the Executive Department of Customer Care , One Main Financial at XXXX. No resolution. I was not notified of investigation status or results. Difficulty submitting a dispute or getting info about a dispute over the phone -- customer service just keeps giving different phone numbers and playing phone tag with the customer, promising to remove and not remove. I asked for the written authorization as well as the decision today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX, given to XXXX XXXX XXXX, given to XXXX XXXX, given to XXXX XXXX, allege that I owe Citibank from over 20 years ago, though Citibank claims I have never had an account. Now that I am trying to sell our home, all of a sudden I have a judgement appeared against me blocking the sale. They can not, or will not, produce a single piece of evidence regarding their allegations. No contracts, no signatures, no receipts. I was never served, nor given a court date to contest this matter, nor contacted in any form, or manner. In spite of numerous FDCPA violations, specifically : 804 ; 805a/b/d ; 809b/c/d ; 813a/c ; 814b ; and others, somehow, they managed to have a court approve a judgement without any proof twenty years ago. I have bought and sold three houses, qualified for mortgages, secured auto loans, etc. Never once in that time has anything appeared on my credit reports. These collection agencies have an unfortunate reputation of conducting this type of nefarious unprofessional business. We need to sell our family home and move. I take care of my special needs younger brother, and I am partially physically XXXX. This is unconscionable to allow this sort of unethical behavior to prevail. Show proof, or drop this matter now. 

Claim : {$43000.00} plus XXXX XXXX interest for I don't know how many years : $ XXXX. 

Judgement made on XXXX but I was only made aware of this two months ago.

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 2023-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My identity was stolen in XXXX of this year. The thieves said they worked for XXXX XXXX, a legitimate company, which I had used previously for computer protection. 
Along with other money I have lost, my American Express XXXXXXXX monies were transferred to an American Express XXXX  account that I did not open. 
{$41000.00} was taken out of my American Express XXXX account and transferred to an American Express XXXX account in my name that I DID NOT open. I did not authorize this and now my funds are gone. 
On XX/XX/XXXX, {$4900.00} was transferred out of that checking account and wire transferred to XXXX. On XX/XX/XXXX, {$19000.00} was wire transferred to XXXX XXXX. On XX/XX/XXXX, {$16000.00} was wire transferred to XXXX XXXX XXXX. 
I do not know XXXX XXXX nor have had any dealings with XXXX XXXX XXXX. Several accounts were also opened in my name that I did not authorize ; XXXX XXXX, XXXX, and XXXX. 
I have had this savings account for many years. I transfer money from my XXXX XXXX XXXX account monthly to this savings account. Normally, {$2000.00}. 
After calling and talking to several American Express employees in the fraud department over several weeks, American Express has sent three letters to me, all dated XX/XX/XXXX. 
Each letter had a different case number according to dates and dollar amounts taken from my account, as indicated above. American Express stated, in all three letters the following, " Based on the results of our investigation, we do not find that any error occurred. Therefore, no funds will be credited to your account as a result of this dispute ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report that I submitted through CFPB dated XX/XX/XXXX. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
We book a vacation back in XXXX. Then we decided to get a refund due to personal reasons. I called the place and said I was cancelling and they told me it was okay. Never got my refund. I opened an escalation with Wells Fargo and went through a few months until they made my credit permanent. Now in XXXX they change my card since they finished their contract with XXXX XXXX shipped me a new card and a new charge comes out. Im not even aware of what this charge is for. After going back and forth for hour long calls and multiple departments they tell me is coming from that credit that was already permanent. I go back and forth with them emailing the board of directors and nothing happens. Then after another month of calling back and forth I get an email on XX/XX/13 saying that my credit is now permanent for XXXX $ but the credit they added to my account is XXXX XXXX They made an excuse that it was an overcharged and denied my dispute again. Now they are asking me ti take legal action to the merchant. I just want my credit to stay permanent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax Representative, This letter informs you that I have become a victim of identity theft. I have filed reports with both the Federal Trade Commission and the CFPB. Please see the enclosed reports. There are recent inquiries on my report that I did not authorize. Additionally, I have two pending Equifax Data Breach Settlement Claims due to the ongoing nature of my data being circulated for sale on the dark web. 
All required documentation is within this packet and mailed to your agency via USPS-certified mail with tracking. I hereby request the following unauthorized inquiries to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: Nelnet, Inc.
State: PA

Complaint narrative:
I setup autopay for my student loan. Then, I see that I am past due and initated a one-time payment. 

Today, I see that NelNet ( student loan servicer ) debited the payment TWICE. 

When I called to get clarification, they said there is a known glitch in the system. They have not alerted any customers of this known glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-24 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: FL

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 2023-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: GA

Complaint narrative:
You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citibank XXXX XXXX Letter Rec 'd on XX/XX/23 Informed me that they applied for the CC on XX/XX/23 The perpetrator tried to charge ~ {$1500.00} " Declined '' The Home Depot/Citibank Card opened without my consent or knowledge. 
An Application # Rec 'd the physical card on XX/XX/23 Called Fraud Verification THD/Citibank XX/XX/23 No Complaint Filing Confirmation # from the Fraud Verification yet. 
Freeze on XXXX filed Need to place Freeze on XXXX & XXXX still

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 2023-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CCS COLLECTIONS You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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 2023-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Personal Cash Loans of SC, Inc.
State: SC

Complaint narrative:
I was out of work for 3 months with out getting a paycheck. I was diagnosed with a XXXX XXXX and I was out of work. I am behind on all of my bills. I made one payment last month to this company and plan to make another one this month by the XXXX. It is all that I can do right now. One of the employers name XXXX is calling my job after I have asked them not to call my job twice. I get left voicemails everyday during my work hours on my cellphone. They are harassing me. I do not want them to call my job or my cell phone anymore. I will get them a payment by the end of the month and at least once a month until I can pay more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Receive first letter from XXXX XXXX XXXXXXXX on XXXX, for a recent credit card application that I did not apply for. They were unable to verify identity base on inquiry made to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX and spoke to a XXXX. He stated that they would mark as fraudulent and email the credit bureau to report application as fraud. I received another letter on XXXX from XXXX XXXX XXXX. Again someone fraudulently applying for credit under my information. 
I also contacted them and they stated that no information was sent the any credit bureau, and that they declined the request and would mark as fraud. I checked my credit information on XXXX and it showed another inquiry of credit for TD Retail Card. I called XXXX and talked with XXXX who is a fraud specialist and she froze my credit and advised me to file a fraud report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-24 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've been waiting I've been waiting about over two and a half years or close to that for my claims my dispute to be resolved. Bank of America is in charge of the banking for XXXX which is a prepaid card that I was assigned I filed a claim for the whole account they still owe me well over close to {$10000.00} they're just sitting here playing today every time I call it's pending provisional credit or still under maintenance and it seems like it's never getting out of that stage and they keep on doing this thing called reconsideration over and over and over again. I'm homeless living in the tent on the side of the freeway lost my family because of this and it's just me and my emotional support dog and we don't have much food but on the money sorry for me to work cuz I've XXXX XXXX  with XXXX and I have nowhere to live because I can't get this money and there's an issue due to the fact that every time I call they all got to do something different to say and why if and they keep denying the claims and reopening themselves what's the point of doing that. Also I sent in documentation one was a police report and the other was a handwritten letter of statement of facts that I wrote and they were attached to the claims but it seems like I can never get I mean you know not enough evidence ever works for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I enrolled in Aidvantage 's autopay for my student loan on XX/XX/. I received an email the same day saying I had been enrolled. 

On my first repayment date, XX/XX/, my account was not debited. I received an email on XX/XX/XXXX  again stating my account had been enrolled in autopay. 

Today, XX/XX/, I received an email saying I had missed a payment. I checked my autopay status on the website and it showed that I was correctly enrolled. I re-enrolled again, and again received an email saying I had been enrolled. 

I then tried to call them about what happened and how that would affect my loan and repayments, and waited on the phone for 4 hours before the call was dropped. I tried to use their online chat system, but that says it is down due to heavy load on the website. I have now been waiting on the phone again for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IA

Complaint narrative:
on XX/XX/23 I disputed account with a regarding title of NO RESPONSE. I requested verification or delete on account because credit report is reporting a debt that I do not recall having. I disputed through XXXX and XXXX and only XXXX responded deleting account. XXXX continues reporting debt without verifying account. Credit reports states account has been disputed and meets FCRA requirements. How is this possible if I dont recall debt and creditor nor bureaus have provided verification.

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