vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contaced XXXX and Transunion regarding my hard and soft inquiries, and they refused to do anything. Transunion stated again, they do not follow US federal law and only their company policy! Which have violated my privacy! 


The list of accounts below has violated my federally protected consumer rights to privacy by obtaining a hard inquiry and soft inquiries : Transunion-Has violated my rights to privacy XXXXHas violated my rights to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, today, XX/XX/2022, Capital One denied my claim on the basis of : We got your request to withdraw your dispute. But I NEVER requested Capital One to withdraw this claim at all. Capital One is lying and/or misleading and wanted to close/withdraw this claim on their own without my consent/approval to close/withdraw it. My claim number is # XXXX. I need Capital One to re-open and/or continue the claim/dispute process. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CommonBond, Inc.
State: PA

Complaint narrative:
I refinanced my loan with Commonbond ( held with XXXX XXXX ) over a XXXX XXXX  ago. In that time I have never failed to make a payment and even paid extra per XXXX. I went back to school in XX/XX/XXXX and entered into a school deferment period that would end when my program ended. 

I attended XXXXXXXX XXXX  in XXXX, XXXX. My final assignment, classes, and time on campus ended as of XX/XX/XXXX however my graduation date is not until XX/XX/XXXX. 

I was contacted about repayment beginning again by CommonbondXXXX XXXX XXXX and was told repayment would begin on XX/XX/XXXX. I applied for post-graduation grace period XXXX XXXX after my end date, and was denied. 

They told me I was denied because " I agreed to instant repayment plan ''. When I said I never agreed to that, they told me that because I didn't call XXXX XXXX of** my graduation, I forfeit the right to have a post-graduation grace period. 

The need to call in the XXXX of my graduation was *never* expressed in my deferment agreement or in the letters/emails they sent that if I didn't call ( from abroad ) the XXXX  of my graduation I give up the right to apply for graduation grace deferment and " agree '' to instant repayment. 

When I mentioned this and that this policy wasn't published anywhere, I was told " too bad, that there was nothing they can do ''. 

It is not only unfair, but surely a legal gray area ( at best ) to create a binding policy that is never covered, mentioned, or agreed to ; but then hold students to the claim " I agreed to start payments immediately ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
I asked for Citi to make a payment from an external account that didn't have enough funds. 
After initial attempt Citi made a XXXX  attempt, without my permission, and I called to stop payment and was told that I can not do that for XXXX XXXX. I asked if Citi would attempt to withdraw XXXX  more times, incurring more external bank fees and Citi fees. The representative wouldn't answer and kept reading off prompts that didn't apply. 
Citi attempted to withdraw XXXX times, without my permission, on XX/XX/XXXX and XX/XX/XXXX and incurred an additional {$60.00} in insufficient funds fees from the outside bank. 
I called Citi to get the {$60.00} paid to me since I made every attempt to avoid them. After I told the representative I was looking for a refund Citibank, the XXXX largest bank in the XXXX, said they were having issues and can't access the credit card records and I will have to call again later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted XXXX and equifax and they have not corrected a collection account that does not belong to me. I dont have money to subscribe to their membership. I already pay for XXXX with XXXX. XXXX opened a fraudulent account and has not been able to prove its legitimacy. XXXX and equifax need to remove this collection account under identity theft rights. These companies do not show a security freeze for identity theft despite my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for you. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX. My phone number is XXXX. I had a fraudulent application put in my name without my permission, and last month when I contacted the fraud department back, they told me my fraud claim was rejected, saying my fraud report was not fraud, but it was a fraud. I want the account balance to be cleared to {$0.00}, and I like the account to be disputed off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX XXXX Navient ( XXXX of my student loan servicers ) to obtain their phone number so I could call and conduct some business. After getting what appeared to be a legitimate phone number for Navient, I called and a woman/representative answered ; she seemed legitimate, and the name given was " XXXX XXXX XXXX '' from XXXXXXXX XXXX  XXXX XXXX She had knowledge of my XXXX XXXX XXXX and was asking if I needed to consolidate the XXXX loans into XXXX, and to make lower payments. The representative said she could consolidate the loans and lower my monthly payment for a XXXX time enrollment fee of {$590.00}. I told her I couldn't pay today ( XX/XX/XXXX ), but that I could pay in a week ( XX/XX/XXXX ). I proceeded to give her my debit card information, last XXXX digits of my social security number, parents name/number. 
Fast forward to today, XX/XX/XXXX and I just received a text message from XXXX XXXX XXXX XXXX saying the {$590.00} XXXX agreed to pay is going to " drafted '' from account on XX/XX/XXXX. It includes another bogus telephone contact number. 

Please help. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: KEYCORP
State: PA

Complaint narrative:
XX/XX/2022 I was alerted by XXXX that " my credit card '' application was under review. I did not apply! My information was released by Key Bank XX/XX/2022. The Bank offered credit monitoring, which I already have in place. When I called them to advise that I didn't apply, but wanted them to correct the 10 dark web locations my details had surfaced. They offered another credit monitoring service. I advised I was looking for payment of services to clean up/ delete and remove my personal information from the web that had been leaked by them. They advised not an option. It's $ XXXX per XXXX website XXXX 

I did call XXXX credit card XXXX, Key Bank and XXXX to advise of the fraudulent use of my information to attempt to open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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 AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.

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 2022-11-07 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: TX

Complaint narrative:
I AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.

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 2022-11-07 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
After spending an hour on the phone today, XX/XX/XXXX with three different Comenity Bank associates, I was rudely treated and was told that they could not do anything. 
I had called them to find out why they raised the interest rate on a closed credit card account. They said they have the right to do so. They can do whatever they want. Since the account is closed, they never notified me. But, on the billing statement ( I still have a balance that is being paid ), I noticed in the fine print on the statement that the interest rate was higher than ever before. I referred them to the Credit Card Act of 2009 that President Obama signed into law. It considers the closed account balance as a " Protected Balance '', one in which the prevailing interest rate at the time of the account closure will be in effect. This law was passed to protect consumers like myself. In dealing with this Credit card company : Comenity Bank, I found that they will not protect their customers and willing change their internal procedures to squeeze their customers for more money than they are allowed to demand from them. The Bank is unwilling to follow the laws of my state and the federal government and their customer service representatives are unaware of them. I had to make them aware of the laws because they were not even familiar with them. However, they stated no one at the Bank had the authority to change the interest rate back to the frozen rate. I am making a formal complaint and want some action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: MN

Complaint narrative:
I had an account with FedLoan and paid off my loan during covid. With the CARES act were supposed to be able to request a refund of payments made after XX/XX/XXXX and before XX/XX/XXXX. I called FedLoan XX/XX/XXXX and requested a refund. They said they could process it and it would take 4 weeks to 6 months. Instead they just transferred my Lon to XXXX. They were not transparent on what was going to happen with my account. I got different answers from each rep I called when I called to confirm twice in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Company has not concluded an investigation and it has been well over 30 days. Thye continue to leave incorrect and unverified information on my credit report. They also have addresses on my report that I never lived at. Please do something about this!

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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am trying to dispute a collection notice on my credit report. I am also a victim of identity theft and have filed with the federal government and have notified all XXXX credit agency. I never received any information regarding this collection until my XXXX XXXX dropped XXXX points in XXXX XXXX. I have contacted the credit agency and I have contacted the company that sent this to collection. I have asked both companies to send me all paperwork tied to this collection and have not received any communications. 

In XXXX a collection notice hit my credit report from Credit Collection Services. It was for {$2500.00} for a XXXX account. 
Disputed charge with XXXX I immediately contacted both companies. 
Immediately filed a Identity theft with the XXXX government : report # XXXX Filed a police report Called reporting agency and they hung up on me before I could request paperwork Froze my credit report Called back ... still no paperwork Still on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation
State: NC

Complaint narrative:
XXXX Submitted a reply to Regional Finance because they have defaulted on providing consumer validation on an alleged debt. On XX/XX/2022 regional finance was given a cease and desist and an opt out request for arbitration along with validation questions that Must be answered under FDCPA XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX regional finance failed to provide any required documents to consumer during the XXXX XXXX  discovery period. However regional finances branch XXXX breached consumers cease and desist by responding on XX/XX/XXXX of XXXX a statement requesting payment from consumer without validating the debt. Therefore consumer is now providing debt collector regional finance XXXX business XXXX from the date of certified mail an opportunity to cure the account by XXXX out the balance on the account and all consumers personal information in regards to the alleged debt and a copy sent to the consumer of deletion.

Company response to consumer: Closed with explanation