vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
On XX/XX/23 I was approved for a loan for the amount of {$500.00}. I went through all the steps and have emails that every step was completed, processed, and funds were pending and were set to be sent on XX/XX/23. XX/XX/23 I called a representative and spoke about why funds werent processed in the account and their response was that I was denied because I have a stop payment in my bank account from a DIFFERENT merchant that has nothing to do with them. If that was a problem they should have denied me before approving me for funds that were pending.

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 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
In XX/XX/2020, I co-signed for a one-year lease for my daughters in XXXX, Virginia. The apartment 's monthly rent was {$2700.00}. My daughter 's made monthly payments with money orders from XXXX XXXX. I made sure of this. 

In XX/XX/2020, the complex emailed my daughters, stating that {$6300.00} was owed. This was impossible because I personally made sure that the full amount of rent was paid through money orders. If {$6300.00} ( or even close to that amount ) was owed, why were they not notified of this prior to XXXX? Wouldn't there have been some sort of eviction if any of this was accurate? 

My credit report is now stating that I owe {$16000.00} to the apartment 's collection agency. This is not only incorrect, but also unethical and illegal. {$6300.00} was not owed to begin with, but how could {$16000.00} be owed now? 


Upon checking the apartments current XXXX reviews, they are known to " lose '' money that their tenants place in their drop box.

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 2023-08-14 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: LA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, I asked XXXX for an auto/home owner insurance quote. They proceeded to increase the quote by 100 %, after which I immediately cancelled. I had not dropped my old coverage, yet they had debited my bank account on XX/XX/2022 {$160.00} - Property and Casualty, XX/XX/2022 - XXXX Home Owner. Upon cancellation, I received a credits from XXXX on XX/XX/2022 for {$140.00} and {$77.00} on XX/XX/XXXX. To my surprise I began receiving constant calls from XXXX XXXX  a few months later XXXXXXXX XXXX time frame. I contacted XXXX, who told be there was an issue with backdating in their system therefore there was nothing they could do. I forwarded documentation to CSC on several occasions ( at least 3 times ) and spoke to them at least 6 times, to no avail. I provided them with proof of insurance to show I had not dropped my coverage, although XXXX withheld money from both policies. CSC did nothing but state this is what XXXX reported and there was nothing they could do. XXXX wouldn't get involved, CSC wouldn't perform any research, so they reported me to the credit bureau for an {$86.00} charge. I have perfect credit and I now have a collections through no fault of my own. No one will listen or assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I paid XXXX XXXX XXXX On XX/XX/XXXX I paid XXXX for my account with Ally XXXX confirmation number So Ally reported to XXXX I made a partial payment that took my credit score down XXXX points this is in correct Will you help me to finally complete this item off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: PA

Complaint narrative:
I received a fraud alert from Experian that a credit inquiry and new account were opened with XXXX XXXX XXXX and XXXX XXXX . When I called to alert the dealership that this was fraud and I had not tried to purchase a vehicle, they found that another person with the same name as me purchased a car with them today. That person used all of their own information, but my Social Security Number. The dealer found that when they typed my name into their XXXX, my social security number auto populated in their credit application system. This is a dealership network that I had previously purchased a vehicle with, but in a different store.

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 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
An account that does not belong to me appears on my credit report, I have asked them to prove that the debt belongs to me and they have not answered me, I have disputed with the CRA agencies but they only indicate that the debt is verified ; I have called IQ DATA to tell them that they are making a mistake, but they have ignored it. In my last communication, they only asked me for the amount that I was willing to pay to solve this, I have informed them that they are confusing the person and continue to insist that we must reach an economic settlement. I have asked them for proof that the debt is mine and they have never provided it to me. When I call them and give them my information, they refer me to one person or another because it is not easy for them to locate the alleged debt until they contact XXXX XXXX XXXX and he tells me that the only way to solve this is by coming to a payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: IN

Complaint narrative:
XX/XX/2023 : I switched phone service providers AFTER paying off the remaining amount of both of my phone payments. I was told by my current provider that I do not have to notify my old provider of the switch unless I had ongoing payments which I did not. 

XX/XX/2023 : I recieved a letter from a debt collection agency known as Diversified Adjustment Service, Inc.That I owed {$350.00} as of XXXX via mail. I was never contacted before this date for anything regarding an account with my previous phone service provider because my account closed when I switch providers XXXX. 

XX/XX/2023 : I sent a debt validation letter to Diversified Adjustment Service , Inc . Using the same address the debt letter was sent from and my letter was sent back. I attempted again with their corporate address with the same result. I do not plan to call them for their website states that calling them on the phone will be seen as an attempt to collect a debt and all information given will be used to do so. I was notified of the right to dispute the debt through them and I feel like that right is being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an offer from chase bank to open a chase private client account and if funded with XXXX dollars I would receive {$2000.00} after 3 months. I opened and funded the account on XX/XX/2023. After almost 5 months I had not received the {$2000.00}. When I went to the chase branch where I opened the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ) and spoke to XXXX XXXX ( XXXX XXXX ) who opened the account he told me he had made a mistake and would try to get me the money. After that despite leaving him dozens of voicemails he would not return my call, so I went to the branch and spoke to the XXXX ( XXXX XXXX XXXX XXXX ) who said he would look into it and call me back that day. After not hearing from him despite leaving numerous voicemails I called chase private client customer service and filed a complaint. Not hearing back from them for XXXX weeks I called again and they said they had a record of my contacting them but not a complaint??? I said I want to file a complaint and eventually they gave me a ref. # ( XXXX ). That was XXXX weeks ago and I haven't heard from them since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
This is an ARM mortgage that was bought out by SPS, and the rates are very high. 

Paying {$270000.00} just interest per month on a XXXX k balance. 

They keep raising the rates and according to them it is legal to do so. While others are getting 6 % or less loans we have been paying 9,99 % and going up to 10.99 % in XXXX. 

They can raise the rates to 14.99 % if they want. At that point we will be forced out of our house, that we have lived in for 22 years. 
When we got this loan the " broker '' lied and said ; this was " all he could do for us ''. The original rate was under 7 %. 

I am XXXX XXXX XXXX, my wife is XXXX, We just want be able to live here. I tried to get a refinance, or a reverse mortgage, but we can't because of some EXTREMLY old debts from when our business failed. I did not file bankruptcy then, but should have. I think by law these old debts, are due to retire soon, These debts are nearly XXXX XXXX XXXX. Isn't there some sort of statute of limitations on very old debts? 
We have not missed a payment in 13 years. And our credit is good. 
I believe we are victims of a predatory loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I received a letter from a collection company named AArgon Agency INC stating that I owe {$470.00} and I have requested and disputed proof of debt but this agency continues to call mail and report this debt to the credit bureaus affecting my credit. Please have them refrain from contacting me and stop reporting this fraudulent debt.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/, I made a purchase at XXXX with my Citi DoubleCash card. The card terminal stated that my purchase was {$28.00} and I swiped my card and left. When I checked my email, I saw that Citi had redeemed XXXX of my ThankYou points on the purchase without my consent. I was never prompted to use them at any point during my purchase. These points have a worse value when applied to a purchase at a store than when theyre redeemed for cash back ( i.e. I received a {$10.00} discount off my XXXX purchase but I could have redeemed them for {$12.00} cash back ). Citi is not abiding by the terms of their cashback program and many other customers online have complained about similar practices. Theyre using customers cash back rewards without the customers consent to save themselves money.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given written, unwritten, verbal and non verbal per 15 USC 6802. This is immediately and indefinitely.I have reached out to all 3 credit bureaus two weeks prior to my completing this CFPB complaint. According to 15 USC 1681 inaccurate reporting ( a ) Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have even had customer support help me via Chat and I have the transcripts as well to upload as evidence. Also 15 USC 1681 ( b ) also states 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation.

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
The agent who answer the phone at Alliant say they can not help me because I am XXXX and they have to transfer my calls to supervisors, I am then left on hold until a time I am unable to complete my business. Then some woman comes on the phone is really insulting and because I say I am looking for equal access as a XXXX person she starts saying she is XXXX for some reason. I have no idea why nationality matters when I am seeking equal access as a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to express my concern regarding a significant issue I have encountered with the credit reporting system. After reviewing my credit reports from all three major credit reporting agencies, XXXX, XXXX, and XXXX, I have noticed a substantial inconsistency in the findings and information they have reported. 

It has come to my attention that certain accounts and transactions, which are accurately reflected on XXXX credit report, are incorrectly represented on the reports from the other agencies. This inconsistency has raised doubts about the accuracy and reliability of the credit reporting process, as it appears that discrepancies exist among the reports issued by the different agencies. 

As a consumer, I rely on accurate credit reporting to make informed financial decisions and maintain my creditworthiness. The inconsistencies among the reports from the different agencies create confusion and uncertainty about my true credit standing. This situation not only affects my financial stability but also undermines the integrity of the credit reporting system as a whole. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary actions to ensure that all three major credit reporting agencies provide consistent and accurate information in their reports. Consumers should be able to trust that the information presented to them is reliable and reflective of their financial history. 

I believe that addressing this issue is crucial for maintaining transparency and fairness in the credit reporting industry. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and consideration. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: GA

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. 

Public Record XXXX  XXXX Bankruptcy Reference number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number 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 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.

Theses accuracies is stopping me from getting a new home for my family.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is yet another attempt at requesting EQUIFAX and XXXX to stop blocking me from getting my reports. I have been paying for a service to pull my reports and I am unable to access them. I have tried contacting them both and they both claim there is no issue and even on their sites I am blocked from receiving my reports. I can't purchase a vehicle and I have been renting vehicles because I am unable to pull my reports. I have a right to have the reports yet I am being blocked. I also requested my entire FILE I have yet to receive that as well. PLEASE STOP BLOCKING ME! You are violating my rights!

Company response to consumer: Closed with explanation