vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US DEPT. OF EDUCATION/XXXX  - {$14000.00} Opened - XXXX XXXX XXXXXXXX  ( XXXX yrs, XXXX mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Who

m It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. US DEPT. OF EDUCATION/XXXX - {$14000.00} Opened - XX/XX/XXXX ( 10 yrs, 3 mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

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 2022-03-07 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: NC

Complaint narrative:
I HAVE SENT EQUIFAX, XXXX, XXXX & XXXX SEVERAL WRITTEN NOTICE OF DEMANDS WHICH WERE ALL IGNORED. I DID NOT GIVE EQUIFAX WRITTEN CONSENT TO USE OR FURNISH MY INFORMATION TO ANY THIRD PARTIES, AGENCY OR COMPANY. PLEASE SEE ALL DOCUMENTS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FINANCIAL SERVICES Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an online checking and savings account with citibank on XX/XX/22. I transferred money from one of my XXXX XXXX XXXX accounts. The next day I went to XXXX to close my accounts except one. I realized I closed the account that the transfer was from. I called Citibank and they told me to go to a branch. XX/XX/22 deposited XXXX and the teller said not to worry about transfer it will just cancel. XX/XX/22 I transferred money from my new savings to new checking XXXX. XX/XX/22 I saw a block on my account and have tried to speak to citibank about it They will not explain and hang up on me. How can I get answers and resolve? I changed all my bills and deposits from XXXX to CITI and now I have no bank.

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 2022-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: OK

Complaint narrative:
World Finance in XXXX Oklahoma will not quit contacting my employer I've asked several times for them to not contact my job and there still continuing to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and Victoria Secret. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( Comenity ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
ALL THREE CREDIT BUREAUS ] EQUIFAX, XXXX AND XXXX HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ EQUIFAX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on Equifax and not XXXX AND XXXX ] XXXX AND XXXX NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services of XXXX XXXX  XXXX XXXX, XXXX XXXX Contact number XXXX. Per my XXXX credit file dated XX/XX/XXXX, File No. XXXX NCB illegally put a hard inquiry on my credit file on two different dates XX/XX/XXXX & XX/XX/XXXX. I have never done business with this company or given this company verbal or written consent to access my credit file. The fraudulent actions this company have taken against me has resulted in the denial of credit for lenders, which goes against the FDCPA guidelines. I am requesting the hard inquiry and any collections this company put on my credit files be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

Equifax- Not my Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax not my accounts- XXXX  and XXXX XXXX not my inquiries XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Retailer ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX- Not my inquiries XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/XXXX I made an online purchase from XXXX XXXX. I used my Apple Card to make the purchase, in the amount of {$100.00}. When I received the item I ordered I was not able to use it. It was wireless headphones and I was not able to sync the headphones with my bluetooth. I requested a return from XXXX and sent them back on XX/XX/XXXX. I tracked the return through XXXX and the package was received received by the XXXX XXXX XXXX on XX/XX/XXXX. When I did not receive a credit from XXXX I called XXXX on XX/XX/XXXX. XXXX and was told that if I did not receive the credit by XX/XX/XXXX to call back. When I still did not receive a refund I called XXXX and was told they would do an investigation to find out why I did not receive a refund. On XX/XX/XXXX I received an email from XXXX stating they were refusing a refund. 
On XX/XX/XXXX I initiated a dispute claim using the XXXX XXXX app on my phone. I received a temporary refund of {$100.00} for the amount of the purchase. On XX/XX/XXXX I received an email from Apple Card Support telling me that XXXX stated they never received the item and I was being charged for the purchase. When I initiated the dispute on the app I had to answer a few questions, one of which was if I could provide documentation to support my claim. I answered Yes and they stated that they might request the documents in the future. They never contacted me or gave me the opportunity to submit my documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I received a letter on XXXX from Wakefield and Associates for an unpaid balance of {$640.00} charge was from XXXX from XXXX of Illinois for a medical bill. I responded to Wakefield with the EOB which show the insurance company paid APP of Illinois XXXX check # XXXX on XXXX. After calling Wakefield again, that was not good enough. I then got the cancelled check from my insurance company that it was cashed XXXX. I sent them this info 7 times to the email address they provided, verifying it was correct. They then told me this take time to verify and that they will be reporting to the credit bureau XXXX and it may or may not be done by then. Please help. I have all documentation that this has been paid two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My wife initiated a wire transfer of {$80000.00} from her XXXX  XXXX XXXX account to my chase checking bank account. This is needed as we are in the middle of buying a home. XXXX XXXX XXXXXXXX says the transfer was processed on XX/XX/2022 whereas I still have not received it in my Chase bank account. 

Please advise on how i can track or get a status from Chase bank where the money went. Appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: CA

Complaint narrative:
Experian is failing to update their records on my credit file. I disputed inaccurate information which was listed by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX claimed I was 30 days past due XX/XX/21. I contacted the furnisher & they informed me this was an internal error on XXXX 's side & I was never late during that time. XXXX informed me they had notified all credit reporting agencies to update their records showing the account was open/never late. I disputed the erroneous information with Experian and they have failed to update their records or provide me with verifiable proof I was late on XX/XX/21 in their report. I'd like Experian to be held accountable for complying with FCRA sections 611. I'd also like Experian to be held account for the negligence and willful noncompliance which relate to FCRA section 616 and 617. Please see the account listed below is updated to reflect the correct status. open/never late. 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 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Aspen Yo LLC
State: CA

Complaint narrative:
company does not want to report- verification status or record of payment history to credit bureaus. Was told that they did not have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: CA

Complaint narrative:
I applied for a public safety loan forgiveness ( PSLF ) waiver ( Waiver Program ) the Federal Student Aid department of education on XX/XX/XXXX. I have been a public servant since XXXX ( XXXX years ) and also on a XXXX federal student loan repayment plan since XXXX. Under this new Waiver Program, my XXXX student loan payments will now be considered a qualifying payment under the PSLF program. I estimate I have made 190+ payments to date, when I only need 120 to qualify. When I submitted my application, I was told that the Department of Education ( DOE ) would need 60-90 days to qualify.

I contacted the Federal Student Aid Program several times during this period to verify my application status. On XX/XX/XXXX, I was informed my application was being denied for lack of a " wet ink signature '' on the application by myself and my employer. Both my employer and I had digitally signed which was in violation of the DOE 's application requirements. My issue is that the DOE did not notify me of this deficiency for four months. When inquired over the phone as to why I was not timely notified, I was told they were just too busy. The Student Aid Program instructed me to resubmit my application which I did on XX/XX/XXXX, and received acknowledgement back from the program by mail with a letter dated XX/XX/XXXX. 

In my conversation with the Federal Student Aid Program today ( XXXX ), I was told that my resubmitted application was still subject to their 90 day processing timeline and and would not be processed any faster, despite my applying for the Waive Program in XX/XX/XXXX. I have a real issue with this as the Cares Act federal student loan forbearance program expires in XX/XX/XXXX which will result in my having to make additional payments on a loan that I will have already overpaid for under the Wavier Program.

Any assistance you could provide would be very helpful. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I called CiTi credit card and advised them that I lost my card, and they should watch for possible fraud. They told me I should close my account. So, they went ahead and closed my account. I told them to apply my cash reward to my account. Later they refuse to do so. I sent them XXXX letters and they still refuse in the meantime they keep charging me late fees even though I sent them the full amount that was due according to my records. They claim because I closed my account on their recommendation that I forfeited my cash reward. Now they are ruining my credit score has dropped by like XXXX points.

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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX my checking account got charged 30 dollars than another charge on XX/XX/XXXX for XXXX dollars and XXXX dollars total amount taken out from my checking account was XXXX dollars. I got denied a claim for unauthorized charges from chase I had to provide different documents to proof I was scammed I send more documents with chase because they denied the claim and then I called XXXX XXXX I had to make several calls to talk with the merchant as the fist time they told me to call back in a few days I tried to explained to the supervisor from XXXX XXXX of the issue he was very rude then again I called once more told them I never received the 30 dollar service and the minutes are still there to check it's not until I tell them the minutes are still there they tell me I use the service and that they can only refund 30.00 dollars I felt scammed by XXXX XXXX I was unaware of the rates of the service they charged me because it was a different service the agent from XXXX XXXX  who charged me XXXX dollars did not tell me I will get my 5 free minutes first or the rates of the person she chose for me without asking me I also called chase on week XX/XX/XXXX to get my debt card cancelled they told me they can't do that because I'm a new client and to go to the branch so I no longer feel secure or protected by chase as a customer.

Company response to consumer: Closed with explanation