vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express : offered me ( business card ) XXXX Skymiles if I spent {$5000.00} over 3 months. I fulfilled the requirements and only received XXXX Skymiles. And, I was offered XXXX points if I spent {$3000.00} and stayed XXXX nights at a XXXX XXXX. I spent the more than {$3000.00} and stayed at XXXX in excess of the XXXX nights. Amex informed me thereafter, that because I had a XXXX XXXX card- they would not honor their offer. When I applied for the Amex XXXX XXXX, Amex did not provide any information concerning whether or not I had a XXXX XXXX with another entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WorldRemit Corp.
State: MD

Complaint narrative:
I am a customer of WorldRemit Money Transfer Company. 

On XX/XX/XXXX they requested I provide them with the following information and I did so : XX/XX/XXXX bank statement that shows your name, address, and deposits on the account as well as the WorldRemit transactions An explanation for all of the deposits on the bank statement ( proof of the deposits may be required ) Current photo ID ( front and back ). 




Then on XX/XX/XXXX, they requested the following information and documents and I provided them the same day : - XX/XX/XXXX bank statement from your checking account ending in XXXX ( all pages ) that shows your name, address, and deposits on the account -An explanation for the multiple cash deposits on the bank statement -Proof of small business loan -Proof of check deposits on the business bank statement -Are your transactions business related? If not, please provide an explanation as to why you are using a business bank account to send transfers through WorldRemit * All answers/responses/documents were provided to Worldremit as stated below XX/XX/XXXX bank statement from your checking account ending in XXXX ( all pages ) that shows your name, address, and deposits on the account =============================================================== -- Attached An explanation for the multiple cash deposits on the bank statement ===================================================== -- The multiple cash deposits are from my XXXX  account, my business account and personal loans ( Including XXXX, XXXX XXXX  and XXXX XXXX etc ) Proof of small business loan ============================= -- Attached Proof of check deposits on the business bank statement =========================================== -- N/A : There are no check deposits Are your transactions business related? If not, please provide an explanation as to why you are using a business bank account to send transfers through WorldRemit ================================================================== I am a CXXXX XXXX XXXX. My business is XXXX XXXX XXXX. The name of my business is " XXXX XXXX XXXX '' which is essentially my name. 
I earn my living and earn my income through my business. My household income " is '' from my business. 
Thus, I have no choice but to spend the income from my business for my living expenses and personal transactions. 
Thus, I use my income from my Business account to spend on all my expenses whether personal or business. 
Sometimes I also send funds to family or friends for large purchases or large expenses including weddings or large purchases such as property which is an asset. 


However after providing all these to WorldRemit they still UNFAIRLY and ILLEGALLY closed my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-13 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 is XXXX XXXX and 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 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a collection notice from this collection agency which is unknown and what is weird they are not even license to collect in my state. I mailed a notice requesting validation and nothing has ever been received. I informed them in writing I am disputing this. Nothing has been received and I was just alerted now it is listed on my personal credit file. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: KY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX file number XXXX and XXXX XXXXXXXX XXXX # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-13 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:
This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-13 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: DISCOVER BANK
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a letter in the mail from Citi advertising a {$200.00} cash bonus promotion for opening a new checking account. There were some things to do in order to receive the cash bonus - send 2 payments using the account. I signed up for the account on XX/XX/XXXX. I completed the required funding ( XXXX XXXX  ) and the payments by early XXXX. I then called Citi 3 separate times to confirm that I had completed all the requirements and that I would receive the {$200.00} bonus. Each time, they assured me that yes, the bonus was coming and I just had to wait. Then Citi charged me XXXX XXXXXXXX for low balance fees in the account. It's now XX/XX/XXXX and I've just called Citi again to check on the {$200.00} bonus. They again gave me no answers and this time just said " they'd look into it '' and that maybe I didn't click some enrollment button? I then closed the account to stop getting charged these XXXX XXXXXXXX fees. The whole process is absolute garbage. Why would you send me a letter in the mail advertising a {$200.00} bonus and then make it impossible to get? Should the person receiving this letter need to call 10x in order to receive the bonus? This whole thing is a consumer trap and their customer service department is all based in XXXX and has no idea what's going on. They just try to placate you enough to get off the phone and then wear you down so you won't call back again. I absolutely terrible process and customer service. Not to mention that I've been a Citi credit card customer for over XXXX... insane this is how they treat customers.

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 2023-09-13 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: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: ME

Complaint narrative:
It was a loan arrangement online that the terms were very unclear. It is a {$750.00} loan with a payback amount of {$3500.00}. With the amount being taken out every single week and I would not have signed for that cause it is too much of a financial hardship. Tribal nations can no longer claim financial sovereignty due to Supreme Court decision XX/XX/XXXX and I believe this loan was in very bad faith, I was rushed through the process, and was not even the original company I contacted for the loan. I never would have signed these terms and the state of Maine gives me a week to contest the loan. This is definitely aggregious and have filed multiple complaints both state and federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am writing this summary in concern as a deceptive practice by Aidvantage student loan servicer. Below is a summary of what happened. 
XXXX XXXXreceived an email to confirm autopayment XXXX XXXX-confirmed autopayment on Aidvantage website and received confirmation email. No further steps provided. No further emails. 
XXXX XXXXreceived email that autopayment was cancelled due to no confirmation. No longer enrolled which forces me to now make payments myself and I lose the interest rate reduction. 
XXXX XXXX I sent an email requesting clarification as to why it was cancelled and received a response several days later stating I did not respond directly to an email to confirm my autopayment. 
I sent another email to Aidvantage asking about what email was supposed to be responded to as all the emails are automated and say not to respond, but receive no further response from them. 
XX/XX/23 I call customer service because I am no longer receiving a response as to what email I was supposed to respond to as I never received anything other than automated emails and I was told by the representative that there was an error and the emails were not sent to everyone so there was no option for me to respond to that email so I was unenrolled from autopay. I feel this is a deceptive practice on their part as likely many people have been removed from automatic payments and do not realize it and will miss their first payment.

Company response to consumer: Closed with explanation