vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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: EQUIFAX, INC.
State: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: NY

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.

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 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have spoken to the company to increase my limits and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I signed up for a promotional offer with Chase Credit Card services. I was to get a {$15.00} credit if I spent {$150.00} on utility payments using their card between XXXX and XXXX. I paid my gas and electric bill in the amount of {$170.00} on XX/XX/2024. However I was denied the credit because Chase did not post the transaction until XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
I had a bill that was put in collections under XXXX XXXX without my knowledge. I was only aware about it because I saw it on my credit report. I spoke to someone at Credit Management who said I had to pay it and than dispute it ( which I already did months ago ) and it would be taken off all my credit reports. I paid it months ago and its still showing on my credit report. Can you please assist and help with this? I was falsely told this and now its still showing up in my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
In XX/XX/XXXX I opened a SoFi checking and savings account following a {$300.00} direct deposit promotion. I had my employer switch my direct deposit to my new SoFi account and fulfilled the terms of the promotion by depositing over {$5000.00} within 25 days. After not receiving the promotion within the timeframe advertised, I contacted SoFi on XX/XX/XXXX who informed me I did not qualify for the promotion because my employers direct deposits are not actually direct deposits but regular ACH deposits. This is incorrect. 

My employer uses XXXX, a payroll provider who pays me biweekly via direct deposit ( see attachment ). I informed SoFi of this on live chat and on the phone. Live chat was unhelpful with significant language barriers. The phone rep offered to escalate the situation for review by another department. I contacted SoFi again after not hearing anything for a week and was told they were still looking into it. Despite repeated attempts to follow-up, I have not received any updates for over two weeks. 

This is deceptive marketing. SoFi is luring new customers in with promotional offers they refuse to honor. Please find attached ( 1 ) the terms of the promotion outlined on SoFi 's website, ( 2 ) an email from my payroll provider confirming they issue direct deposit, and ( 3 ) an email from an account manager at SoFi insisting otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacts Equifax regarding obtaining ny credit report and viewing my dispute results or submit disputes online. 

Ever since I sent a dispute in writing certified my online account had been locked and it allows ne to sign in but shows no information. 


This information wasn't an issue until the received my dispute. 

I've had numerous escalation requests and they have been ignored. 

I have been disputing inaccurate information and fraudulent information as well. A police report was submitted in XXXX and they claim it was not saved or available and the account still remains on my credit report. 

In my re investigation request I requested the description in the process as well as physical evidence with names and contact numbers to who this information was verified with. 

Upon the review of my report same accounts have been reported inaccurate information. Someone is lying. 

Since XXXX my personal information had been breached three times and my rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There appear to have been an improper use of my credit report which shows some addresses, employers and names that I am not associated with. I do not have anything to do with the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX neither is any of the following my name : XXXX XXXX XXXX XXXX XXXX XXXX 

I am also not associated with these employers : XXXX XXXX. 
XXXX XXXX XXXX Irregular report of my personal information violates my consumer rights as none of the information listed above are associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I've recently received an updated credit report and noticed inaccurate accounts reporting. 

CCS Acct # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I have a milestone credit card and there was fraud on the account. They said they were mailing me a new card but never mailed it but mailed me a letter saying I was late on a payment! 

I called once I received this letter and asked a manager what the issue is, I havent received a new card but received this letter. 

He informed me that the credit card company said they need a photo id mailed to them to reissue a card but I never received this letter requesting this! 

So my account is frozen with no ability to send any information since I never received a letter or card! But, I was able to call and give my information and he openly talked about my account, so explain that one to me! 

How is this possible in XXXX! These credit card companies are out here like its the wild wild west doing whatever they want!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy 
Act are in violation by the unaffiliated 3rd party(s) this complaint is going to. For 
items that have been placed on my credit report. I have included attached 
documents of these items. As per 15 USC 6802 (b) and (c). I was never provided 
the knowledge of the opportunity to opt-out of my personal information being 
reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments 
that are being listed that were never verified and violated my rights per 15 USC 
1666b. Both the credit furnisher and reporting agencies are in violation of these 
acts. They are unable to provide adequate verifiable proof. Which has also been 
attached in the documents uploaded, providing exact types of acceptable proof to 
have it considered verified. Lack of this acceptable proof based on the claim is 
lack of Corporate Compliance and a crime. If the proper recordings matching the 
letters are not rectified within 30 days and updated immediately with proof of the 
update. I will next exercise my rights to take legal actions. Since both parties are 
currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve 
Act Section 29.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Data and Contact Management Solutions, LLC
State: SC

Complaint narrative:
never gotten a bill from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX now threaten to take my home if i don't pay the bill the woman is XXXX  had another want the same thing to colloect a debt for XXXX i sent them a copy of the XXXX XXXX and they said they would not procide they would stop tring to collect because she was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
I have credit card with total visa I've had this account 4years an 10 months. I have had a excellent payment from day one XX/XX/2024 I had a XXXX XXXX was in hospital 2 weeks an out of work two months. For the first time ever I was one month late a XXXX XXXX payment I did not receive any notice of any kind from total visa they reported to all 3 credit serous. My score went from XXXX to XXXX in a matter of a few minutes I contacted total explained I just had a medical issue I've never been late not one time an it was XXXX XXXX  for one month would you please give me good will this will never happen again I paid the one payment I was late on an the next month to the representing I talked to I could barely understand XXXX lied an said there was nothing they could do put me on hold come back I said by law I'm trying to ask you for help first your the company that reported this late payment. He then said total visa did not report this to the credit serous an they could not help. This is the first time I've been late it was only one month I paid it befor I ask for help until this I had excellent payment history I'm self employed. This not only destroyed my life my credit all so my business of 37 years over XXXX. XXXX dollar payment I could not help this medical emergency it seems the American public does not have any rites any more I try my best to do the rite thing in every situation I'm XXXX XXXX XXXX an now won't be able to support my self I loose my home an ever thing I've worked for all my life because some XXXX XXXX  can't understand what I'm saying an does not know credit laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX has reported to XXXX  on XX/XX/XXXX that " my '' account was Over or At Limit. I received this notice on XX/XX/XXXX. XXXX XXXX XXXXXXXX and charged-off this account several years ago. This lender has already received tax write-off losses, and XXXX has XXXX bankruptcy on their own creditors. Yet, I am put under emotional and physical duress by XXXX sending me non-stop alerts from XXXX XXXX stating that I am at or Above " MY '' credit limit. I have spoken with via phone with XXXX Bank collections department AND XXXX, and I am told they can report this information as " accurate. '' I am stating unequivocally that this practice is in violation of the Fair Credit Reporting Act. 

The inactions of XXXX Bank in no way reflect the true status of this account. When I recently contacted XXXX XXXX their XXXX stated the reporting would be removed in XXXX of XXXX. However, they continue to report a CLOSED ACCOUNT AS OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
I requested an extension on past due payments during the pandemic. My car was repossessed then returned to me when the error was recognized. However thousands of dollars in fees were added to my account. In addition, I paid all required payments including additional payments pushed to the end of the loan. 

At the end of my loan I was told I owed more than $ XXXX in fees. I was told they were for various things. The explanation varied based on who I spoke with. Each time I tried to close out the loan prior to the end of the term. I was given inflated numbers. I tried to negotiate a buyout to no avail. This company repeatedly blocked online access for payment to. Their website is not set up to allow you to pay a single monthly payment t. They will accept the payment but you must call for processing. This entire process has been outrageous. Ive paid more than double of what I borrowed and they are still telling I owe them. Sometimes the explanation is payment pushed to the end of the loan. Other times its interest. They havent released my title and Ive made all of the payments required. 

I have emails inquiring about not being able to make payments on the portal because of the fees related to repossession. 

I have emails related to attempts to resolve this issue with what they called balloon payments

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 2024-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention the circumstances surrounding my student loan with XXXXt, which is related to a school that was found to be fraudulent. As a result of the school 's fraudulent activities, all federal loans associated with the institution were cleared and discharged. I am seeking a similar discharge for my loan through XXXX in light of these findings. 

I am aware of the actions taken by the Department of Education to discharge federal loans for students affected by the fraudulent school. However, I am unclear about the required steps that I must take to have my XXXX loan discharged under similar circumstances. 

I kindly request your guidance on the necessary steps I should follow to seek the discharge of my loan through XXXX  due to the fraudulent nature of the school. Any information or assistance you can provide in this matter would be greatly appreciated. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on the next steps. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX Customer Service XXXX XXXX XXXX XXXX, PA XXXX Dear sir, Today, I went to XXXX shop of XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, two reward certificates issued your company were denied. XXXX is XXXX, which amount was {$XXXX}. This certificate ending XXXX was reissued as a replacement of previously denied two certificates XXXX and XXXX. Another certificated denied today XX/XX/XXXX of XXXX has the certificate number XXXX, which amount was {$XXXX}. In previous letter to your office, your office employee mentioned the possible usage of self-print out of certificates through its website portal. However, as I mentioned in that letter, I did not know the existence of that print-out system until my realization of the issues on illegal and fraud activities of my financial matters ; therefore, there is no chance to use the self-copied certificates, which your employee might have suggested another channel. Since I have one more denied certificate XXXX, the total amount of denied certificates ended up at this moment {$XXXX}. The list of certificates numbers in question are follows : XXXX ( {$XXXX} ) XXXX ( {$XXXXXXXX ) XXXX ( {$XXXX} ) Since the denial of certificates continue, I just want your company to make sure I can use next time. And I just can say I will not use the self-printed certificates from your company website account portal. 
Sincerely,

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 2024-03-30 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: EQUIFAX, INC.
State: FL

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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was notified by my credit report that I was behind on a payment and that my score was suffering because of it. After investigating I come to find an account on my report that was not opened by me. A XXXXXXXX credit account was opened under my name on XX/XX/2023 with a credit amount of {$XXXX}. The account is issued by XXXX XXXX.. The balance of the account was {$XXXX} at the time I discovered it. I received a statement in the mail stating that the account was XXXX payments past due and the new balance was {$XXXX}. At this time I then called XXXX to report the account as fraud and to close the account. I was informed that the account was suspended and that they would start an investigation. I recall the person I spoke with going over the charges and dates from the purchases on the account and I believe they said the purchases were made in XXXX. I am located in XXXX XXXX, not XXXX. I received a letter in the mail from their security department regarding the fraud investigation and they claim that the account is not fraud and that I am still responsible for the account balance. I have never opened an account nor ever made any purchases from 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