vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: TX

Complaint narrative:
Experian allowed a collection agency to put a flag on my report without any validation that the debt belongs to me which it doesnt and dropped my credit score XXXX points. The collection activity is for a person that had an account in Illinois in XXXX and I live in Texas since XXXX. There are mo Illinois addresses on my credit report and they should have verified to debt before causing me financial harm.

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 2023-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: CA

Complaint narrative:
I REQUESTED A LOAN ABOUT THREE WEEKS AGO, I GOT A LOAN OF XXXX AND MADE A PAYMENT A WEEK LATER XXXX I NOTICED THAT THE AMOUNT KEPT GOING UP SO I CALLED TO TRY AND MAKE A FULL PAYMENT OF THE LOAN TO BE SCHEDULED FOR SATURDAY ( TOMORROW ) and the representative said they cant do that and to call on Monday to have the payment made however it will be more that XXXX that I will need to pay. they never gave me the exact interest rate that I was supposed to pay daily or nothing of that information.. their online system to make payment doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Our XXXX XXXX XXXX XXXX has been the repeated victim of ACH fraud and Citibank both didn't take commercially reasonable steps to keep our money safe and is not refunding us. We reported all of the fraudulent transactions within 2 weeks of the fraud taking place- often within days. We have made many internal appeals to Citibank- none have been in our favor. We have also asked repeatedly why no security measures were taken to protect us from this fraud but have not been given satisfactory answers XX/XX/XXXX : Fraudulent ACH XXXX debit for {$300.00} - initially received a refund on XX/XX/XXXX but that refund was reversed on XX/XX/XXXX XX/XX/XXXX : Fraudulent ACH XXXX Debit for {$1300.00} - reported to Citibank and we never received a refund. 
XX/XX/XXXX : Fraudulent ACH Credit card Pay to XXXX for XXXX : initially received a refund but that was reversed XX/XX/XXXX : Fraudulent ACH credit card pay to XXXX for XXXX : initially received a refund but that was reversed XX/XX/XXXX : Fraudulent ACH transaction to ACH XXXX XXXX for {$800.00} dollars : initial refund that has not yet been reversed

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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used to have an account with Chase banking and I already closed my checking account. There were XXXX checks that were to be sent home one is the {$46.00} and the other is the {$2200.00} however I only received the one for {$46.00}. I went to several different Chase banking branches to talk with bankers and they said they werent able to release my fund and send the check home because they still need verification. Im just confused as to why theyre holding my money hostage for so long and I never had issues with other banks regarding the checks I work for XXXX  they were issued out the same way. I still have record with the pay stubs and on the official XXXX employee website they have record of each of my paycheck as well as pay stubs information there. I just want my money to be sent as I am a XXXX XXXX and the only reason I work part time is so I can support my XXXX XXXX and buying XXXX but I can not do so if Chase refuses to give me my money back which was the {$2200.00} check that was supposed to be sent home. I have tried over a month and at first they reassured me that they will send the check home but when the account were closed they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: EdFinancial Services
State: NJ

Complaint narrative:
Edfinancial services is purposely making it difficult or impossible to enroll in automatic payments for XXXX loans. This is causing me to lose out on the 0.25 % interest rate deduction. 

I have attempted to enroll in autopay several times with Edfinancial. on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I receive an automated message with the text " Your request to enroll in auto pay has been received '' There is no reflection of pending or approved auto-pay status on my Edfinancial account. 

I contacted Edfinancial on XX/XX/XXXX asking about the status of the auto pay request submitted that same day. I also asked for clarification on their auto-pay policy, which states : " Your payments are generally drafted on your due date but if that date falls on a weekend or holiday, the payment will be deducted the next business day '' Asking if that would lead to late payments, and clarification as to whether or not payments would be deducted on the business day before the weekend or holiday to avoid late payments. 

I received a reply on XX/XX/XXXX which stated " Thank you for contacting Edfinancial Services. According to your account, an AutoPay request was submitted on XX/XX/XXXX. If you apply for AutoPay again, it will reset the process. Let us know if you have any other questions, and we will be more than happy to further assist you. '' With no answer to my question of the auto pay weekend/holiday policy.

I believe Edfinancial are intentionally delaying/denying autopay enrollment to not allow the 0.25 % interest rate deduction, and their auto-pay policy is designed to create late payments for the collection of late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UPGRADE, INC.
State: TX

Complaint narrative:
XX/XX/2023 I submitted my SCRA certification to all my creditors. 
I sent the SCRA certification to Upgrade around XXXX via the written process they requested. 
I received confirmation that my SCRA was approved two-three weeks later, however, my balance and rates were not adjusted on the customer Upgrade interface. 

I contacted Upgrade 2 times. The first time I was advised to wait one billing cycle for the system to update. After the billing cycle, I was advised that the SCRA adjustments were made, however, the balance was not affected. 

Oddities : Upgrade showed my due amount for two billing cycles as {$0.00} ( XXXX and XXXX ). I was not advised if this is considered a credit per the SCRA. I still do noy know if it was. 

After submitting my SCRA, I received an email notification stating that Upgrade has adjusted my available credit in a negative manner- decrease in my credit availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: FL

Complaint narrative:
My personal data was unlawfully sold and acquired due to my victimization in the Equifax Data Breach. I urgently request the immediate removal of these entries from my credit report. Enclosed is evidence confirming Equifax 's acknowledgment of my status as a breach victim, yet no corrective actions have been taken. Kindly assist me in expeditiously eliminating these unauthorized accounts from my credit reports. 
1. Account Name : XXXX XXXX Account # : XXXX 2. Account Name : XXXX Account # : XXXX 3. Account Name : XXXX Account # : XXXX 4. Account Name : XXXX  Account # : XXXX 5. Account Name : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Collection {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection $ XXXX XXXX XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been calling an writing to the company since XXXX of 2023 agents continue to hang up on me now they have blocked me from logging into the online account an everytime I call they hang up on 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 2023-12-15 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: NY

Complaint narrative:
I DONT RECOGNIZE THESE INQUIRIES, DELETE PLEASE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens made an unrealistic determination as to the validity of a charge without taking all the facts into account, instead relying simply on statements from the vendor which are a ) grossly inadequate, b ) in some cases illegible, and c ) in all cases inaccurate as the original transaction occurred by phone and I have the testimony of other parties who were part of the phone call who can and will verify that the vendor was clearly and repeatedly made to understand that the charge was to be a one-time charge ONLY. 
Citizens has twice broken its commitments to contact me to hear statements and proof to that effect, and so has avoided and failed at properly gathering all the pertinent facts in the matter before rendering their decision as to the validity and invalidity of the charge. 
This complaint is against Citizens Bank. I will file an additional claim if necessary against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. : the offending vendor ) when and if it becomes necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DONT RECOGNIZE THESE INQUIRIES, DELETE PLEASE 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 2023-12-15 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: DISCOVER BANK
State: FL

Complaint narrative:
I got scammed by a seller on XXXX  for XXXX. Discover Card gave me credit but then sided with the seller because all sales are final. The credit was revoked and I called Discover to explain further my point that I was scammed & that the seller suspended my account ( which should be suspicious on its own ), so I cant even reach out to them ... the item is defective, faulty and not as advertised ; a scam. Discover agent proceeded to tell me I had to get documentation that the company that scammed me would issue me a refund & then hung up on me. I got scammed and Discover Card will not cover me or even offer me decent customer service. Why would the company that scammed me and suspended the account I used to buy the item offer a refund for me? Why would I even need to reach out to Discover if the seller agreed to refund in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: 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. 

XXXX XXXX Charge-off {$5700.00} XXXX XXXX XXXXXXXX XXXX Charge-off {$4400.00} XXXX XXXX XXXX XXXX Charge-off {$6700.00} XXXXXXXX XXXX XXXXXXXX XXXX Charge-off {$460.00} However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
Account name : Opportunity Financial # 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 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In reviewing my records for XX/XX/2023, you are reporting I was 30 days late. 
This is not correct. In XXXX I was released from the hospital and paid the bill immediately. I made the payment exactly 10 days after the due date NOT 30 DAYS.

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 2023-12-15 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning incorrect personal information on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2023-12-15 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit Acceptance has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX, my husband and I signed a Deed of Trust to refinance our mortgage for our primary residence in Texas. Both of us are clearly identified as the borrowers on the first page of the contract. However unknown to us at the time, XXXX  XXXX XXXX XXXX ( XXXX ) did not record my name as a borrower for the mortgage in their system for the loan, they only recorded my husband. The mortgage was sold a couple of times and ended up at Bank of America. My husband has since passed away. I tried to change the information on the loan to reflect me as the primary borrower and couldn't find any info on me on the loan on the computer ( I had always paid the account ). I called BoA to tell them they should change the account so that I was primary and was told I wasn't on the account. I was shocked. I sent them a copy of the Deed of Trust assuming one of the earlier servicing banks had messed up and they would correct the error. They disconnected the online account and asked me if I wanted to assume the account at great expense. I did some research and realized that XXXX was the one that removed my name. I contacted them and pointed out their mistake and they referred me to BoA. I sent BoA another copy of all the documentation XX/XX/XXXX and they responded today that I was not on the note. I called and they told me that what I signed was a " deed '' not a mortgage. I explained that a Deed of Trust was used similarly to a mortgage in Texas and that no other " note '' existed and she didn't believe 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 explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: NC

Complaint narrative:
Constantly calling all day almost every day and also after XXXX XXXX  and before XXXX XXXX. Name from Company is Hunter Warfield XXXX

Company response to consumer: Closed with explanation