vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed this account many times and i even summited a letter they supplied me with stating the account has been closed and they continue to tell the credit reporting agencies that the account is still open even showing payments are being made even thought the account shows a XXXX balance and has been closed for over a year

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 2023-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
My Direct loans ( I have many from many schools ) were transferred to MOHELA. I left my latest school XXXX XXXX XXXX and applied to start paying my loans off immediately. I applied for a new income-based payment plan through the federal aid website and was approved through Federal Aid that also transferred the required IRS information . However, after applying twice, MOHELA denied my payment plan. The only way to contact them ( no email or forms ) is through a phone number. I got two email rejections. My current plan is asking me to pay over {$3000.00} per month. I can not. When I called today, on XX/XX/XXXX, the customer service representative was not helpful at all. She said that I was denied because I need yearly tax returns for each year I was in a income-driven repayment plan! My first graduate loan was in XXXX. I would have to give them 23 years of tax returns. When I noted this, she said, " yep. '' I then said that does not make sense. The requirement from Federal Aid is that I need last year 's income tax to determine my future payment? Why would I need 23 years of tax returns? I owe a lot of debt and am trying to pay it, but MOHELA puts almost nothing in writing, just a note that my application was rejected, but there are no details until we call. This makes no sense. I had these loans all my life. No servicer ever asked for years of returns. They ask for last year. Even mortgage companies never ask for more than one or two. I don't have that information, and the IRS only goes back to XXXX. Many years, I was in forbearance or deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: CarMax, Inc.
State: MD

Complaint narrative:
CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX GA XXXX I do not recognize this account this is reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX didnt pay full interest amount of stated APR XXXX 3.5 % for 3 months for XXXX money market account. Also only paid 89 days of interest, lacking 1 day of interest payment. About {$57.00} lacking XXXX XXXX to XX/XX/XXXX. About {$14.00} lacking XXXX more day of interest owed for XX/XX/XXXX for ninetieth day of term. Reported to bank this discrepancy 3 times by phone in XXXX, XXXX and XXXX. No response received. XXXX opened XX/XX/2023. Funds transferred to new CD account XX/XX/XXXX. Balance of {$1.00} kept in XXXX money market account until closed XX/XX/XXXX, XXXX owes about {$71.00} it underpaid in interest.

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 2023-08-14 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: Monterey Financial Services LLC
State: MD

Complaint narrative:
I sent letters to the credit agencies asking them to verify the debt on my report in XX/XX/XXXX. They sent it back stating that everything is verified correctly. However my credit report is still showing and reporting inaccuracies. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( B ) ( 2 ) - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 USC 6801 - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys/Citi Bank called a friends cell phone looking for me after being five days late and never contacted me I never provided them this person 's information and Macys told me they searched me instead of calling me or emailing or texting me directly this is a complete violation of my rights and privacy. Macys as admitted to this to me. I want to file a formal complaint. I am the customer not my friend.

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 2023-08-14 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: SC

Complaint narrative:
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 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 explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: CA

Complaint narrative:
I I call maverick finance and explain that I did not open this account. They said theres accounts open online. I told him that I didnt open it..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Not releasing any of my consumer information to me with trying to gain more information about me and I do not feel comfortable sharing or transmitting information with Equifax. They already have been stealing information and data without permission my consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have been a customer of Citibank with excellent credit for approximately XXXX yrs. and seldom had any issues using my 4 credit cards until this year. Starting around XXXX this year, XX/XX/XXXX  my Citibank credit card ending in XXXX was declined for my XXXX needs at the local XXXX XXXX XXXX. I tried 3 of my Citicards at 2 different registers all having XXXX  in available credit and all were denied. This was very embarrassing as this was a rural local store and almost everyone knew me heard all my cards continue to get declined. I called Citibank immediately and was first informed my cards info was incorrectly inputted, which was not the case as the sales agent had used the card reader at 2 different registers to insert my cards. Then I was transferred to the fraud department, who advised me there was a fraud issue with XXXX XXXX  and that they would remove the lock on my cards and promised me it wouldn't happen again. It has happened repeatedly every single time since then that I've tried do use my Citibank credit cards at my local XXXXXXXX XXXXXXXX. I always call them complaining and get the same response as above. They promise it won't happen again and it does over and over again. The last time I called them for my card being declined at XXXX XXXX, XXXX, XXXX, again was around XXXXXXXX XXXX XXXX. This time the agent informed me that the reason was that the XXXX XXXX  were refusing to allow the use of their credit cards at their stores. Is this legal for Citibank to issue cards not being accepted where it states they are accepted My? 
My credit card ending in XXXX, was declined again yesterday at the XXXX XXXX XXXX in XXXX, XXXX. In the amount of {$42.00}. 
This has been horribly inconvenient and embarrassing as these are the only stores for me to shop at in my local rural community. 
Is this legal for Citibank to continue to decline my credit cards when the cards are valid and should be accepted? 
Thank you for assistance!!

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 2023-08-14 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contact my capital one regarding a negative balance of {$3000.00} dollars back in XXXX regarding fraudulent activity. The bank told me since I gave the scammer my account information ( which I did not ) I am responsible for paying back my negative balancs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: AZ

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have called this bank NUMEROUS times to try and resolve my issue of the bank REISSUING cashiers check number XXXX dated XX/XX/2022 in the amount of XXXX This check was damaged, never cashed and needs to be reissued. I do not know what their problem is. 
I have called SOOOOO many times, and no one has reissued this check. I understand it must be payable to XXXX XXXX, Please reissue this check for escrow refund. Home has been sold and loan paid for long ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was the victim of a check washing scam. I reported the scam to Bank of America 2 hours after discovering my check had been washed. For over 90 days, they claimed they were conducting an investigation into the check fraud. After 90 days ended, they sent me a letter saying that I would not be compensated for the check was because it was reported after 60 days of it actually occurring. During that 90 day period, multiple people at Bank of America insisted that I would be reimbursed for the washed check. Bank of America Fraud line XXXX from Tennessee admitted that they only completed a slight investigation, Bank of America took no meaningful actions to protect my best interest in this case. Furthermore, Bank of America refused to provide me with any information regarding the fraudulent transaction.

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 2023-08-14 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: ME

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this matter with the credit reporting agencies and the involved creditors, I have not received a satisfactory resolution. 

I have recently discovered that there are several accounts listed on my credit report that I have no knowledge of and have never opened. These fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that my personal information has been compromised. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the situation. I also request that the fraudulent accounts be removed from my credit report promptly, as they are severely affecting my creditworthiness and financial well-being.

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 2023-08-14 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: TX

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-08-14 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
ON XX/XX/2023 A CHARGE OF {$1500.00} WAS PLACED ON MY BANK OF AMERICA CREDIT CARD BY XXXX XXXXXXXX XXXX, {$150.00} WAS RETURNED BUT THE XXXX XXXX WAS NEVER GIVEN TO ME, THE PERSON IS XXXX XXXX HER PHONE NUMBER IS XXXX XXXX, HER ADDRESS IS XXXX XXXX XXXX XXXX XXXX GA XXXX, I HAVE TEXT XXXX XXXX 7 TIMES AND SHE HAS NOT RESPONDED, PREVIOSLY SHE TEXT ME THAT SHE KNEW OF THE MIISTAKE AND WOULD REFUND MY MONEY, NOW ITS 60 DAYS AND NO RETURN MONEY, HER XXXX  IS XXXX, I BELIEVE SHE HAS DONE THIS TO MANY UNSUSPECTING CUSTOMERS, CAN YOU HELP RESOLVE THIS ISSUE.

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