vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have tried to verify the validity of this loan. The rest of my loans were sent to advaintage because they are Federal loans. I was only paying on this loan because I believed it was a part of those loans until they were transferred. I was also going off of what Naviant customer service was telling me, until I had a friend tell me I need to make sure this loan was mine since I do not recall taking out a private loan. I had a GI bill so taking out a loan makes absolutely no sense. I can verify with my school I paid via GI bill. I have asked for verification that any funds were deposited to my account, a school account, or if there is a returned check. I was sent a promissory note from Naviant that explicity states " this is not a promise of funds to be dispersed. '' I am simply asking for proof of dispersement. The school they stated I took the funds out for is XXXX XXXX. However, I used my GI bill to pay for XXXX XXXX and they have no knowledge of any kind of loan from Naviant/ Sallie Mae . I am simply asking for proof any funds were dispersed either directly to me via an account transfer or check, or to the school. They have refused to provide this and I do not believe I owe this money. They have ruined my credit, and I have told them I need proof. I will not pay on a loan that was never dispersed. If loans were deposited to my account it should not be difficult to prove, yet they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: FL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-20 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: OH

Complaint narrative:
I have been victimized by identity theft.I reviewed a copy of my credit report and ( CBNA ) ran an unauthorized credit inquiry on me on, XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact ( CBNA ) and investigate such occurrence I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I sent them a copy of the Police report from the XXXX Sheriffs Office in conjunction with my CFPB Report my dispute letter and lastly my Identity theft report with the Federal Trade Commission Certified mail on XXXX TRACKING # XXXX Due to the incompetence of XXXX the unauthorized inquiry is still reporting. Transunion and XXXX have both deleted the unauthorized inquiry but for some reason XXXX refuses to adhere to the Fair Credit Reporting Act.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 XXXX XXXX XXXX. 

XXXX : # XXXX  # XXXX XXXX XXXX XXXX # ACCT # XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : CBNA 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 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 2023-03-20 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: WI

Complaint narrative:
Please see attached files I have made countless attempts to have unverified and erroneous accounts deleted off of my XXXX credit report. And XXXX has REFUSED to adhere to the laws and regulations afforded to me under the FCRA. I have submitted several disputes to them regarding these erroneous accounts. They claim the accounts are verified. I asked them how did they verify them, they couldn't tell me. I've made repeated requests for them to send me the original creditor 's documentation ( a signed contract by me giving them consent to furnish my information as per my right by law ) and they've ignored these requests. I have made requests by mail, by phone and through the CFPB. They have not provided me with any documentation or correspondence that came about in their investigations ( required by law ). Furthermore they continue to ignore their obligated duty to do what is fair and equitable to me as a consumer ( required by law ). They are in violation of so many of my consumer rights including receiving information from a 3rd party regarding my consumer information without my consent. I ask that my request be taken seriously, that XXXX either provides me with the original creditor 's documents I have asked for or remove the disputed accounts and public record from my credit report

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a secured card with Bank of America, which had card insurance for the event that I became XXXX or loss my employment. Both adverse events happened ; XXXX XXXX XXXX XXXX  XX/XX/XXXX, and went on short XXXX in XXXX of the same year. The card insurance wasn't initiated, and I continued to pay the credit card timely monthly for as long as I could. My credit card limit was {$2000.00}, which was secured with a BOA {$2000.00} saving account. When I became deathly ill with XXXX XX/XX/XXXX, my ability to pay changed but I struggled to continue to pay the card. XX/XX/XXXX the card closed and BOA used the {$2000.00} saving account to address the outstanding credit balance. Subsequently they have actively sought recovery efforts to collect {$200.00} in late and interest fees they state weren't satisfied with the saving account, although the account was over XXXX years old and should've had high yield interest. In addition the credit card insurance should have been applied as per my request when I became XXXX and XXXX XXXX XXXX which affecting my ability to pay and covered these extenuating circumstances. I have attempted to work with BOA for months w/o resolution despite my best attempts.

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 2023-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNV FUNDING LLC, XXXX XXXXXXXX XXXX  XXXX SC XXXX, has not told me the original creditor for this alleged collection. Therefore I do not know if this debt is valid. I can not contact the original creditor to verify this account as is my Federal and state right.

Under 15USC 1681 ( a ) ( i ) I can challenge this account and dispute its accuracy. 

I don't believe I owe these people a dime!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: NJ

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX utilities 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 explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: LA

Complaint narrative:
I have called the ER billing ( XXXX XXXX XXXX XXXX ) to get the number for the collection agency. The numbers i was given. XXXX and XXXX, are non working numbers. The ER billing tells me that they dont know that collection agency it must be from the Doctor. I have no clue who the doctor is or even the patient. There is NO information on my credit report other then its a collection. All my children have XXXX  XXXX. With that being said. I worked in medical billing for 7 years. It is against the law to bill a medicaid patient a balance not paid by medicaid. That balance is to be written off!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had mailed W9 form to Citibank at address : " Citigroup XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ''. I didn't hear anything from them in over XXXX weeks and I had to reach out to them to know about the status. Only then they told me that the W9 has been rejected due to invalid signature. Despite these being the same signatures that I have using everywhere ( IRS forms, other financial institutions ), they rejected it. When I asked the customer support, they told me the form was rejected because my signature should have first and last name on W9. I tried to tell them there is no such requirement in IRS guidelines, they refused to help. They are pressing me to forge my signatures just for them even though it is legally not correct. Citibank also kept on directing me from one department to another before dropping the calls altogether. I am frustrated with lack of response and if there is one, it is about advising to essentially commit 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 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, I received an email from our supplier including CC to other employees of XXXX XXXX XXXX requesting we update their bank details to Chase bank. The bank details were an attachment on company letterhead. 
I received several other emails regarding payment until the date we transferred the funds in three wires from XXXX XXXX XXXX to Chase Bank. Here is the amount of each transfer : XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XXXX XX/XX/XXXX {$84000.00} XX/XX/XXXX XXXX XX/XX/XXXX {$21000.00} XX/XX/XXXX the total {$100000.00} After the transfer was made, I was contacted by the General Manager Logistics and Customer Support at XXXX stating they had not received the funds. I sent the payment remittance, they replied that the emails requesting the bank details updated was fraud. 
We filed a fraud case at XXXX XXXX and to recall the funds. XXXX XXXX was unable to retrieve the funds. We contacted Chase Bank but were told they could only submit to requests from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX XXXXXXXX XXXX ( Collection ), XXXX XXXX XXXXXXXX ( Collection ) and XXXX XXXX ( Collection XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXXXXXX ( Collection ) and XXXX XXXX ( Collection ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Several attempts have been made to pay in full and close account of victoria secret credit account manage by comenity bank, the first being on XXXX when I was verbally told the account was paid in full and the account would be closed. a payment of XXXX was also made on XXXX on XXXX a minimum interest charge on a balance that was supposed too be XXXX occured. This resulted in XXXX more late fees, and XXXX minimum interest charges over the next few months on an account that had assumingly been paid in full and closed. on XXXX Comenity bank acknowledged the confusion and credited back XXXX $ worth of late fees to my account, and again was supposed to close the account. Today, my husband and I contacted Comenity bank again and there was an outstanding balance of XXXX XXXX This was paid and again the account was asked to be closed ( however it still remains active ). There seems to be a late fee/minimum interest charge that we can not seem to get out of. Also we have been reported to the credit agencies for balances unpaid for the late fee/minimum interest re-entry syndrome. This re entry syndrome also occured on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been calling since the start of XX/XX/XXXX looking for my tax 1099-INT, customer service tells me to call the branch, I call there and request a copy since I didnt receive it and never changed my address. I need to file taxes and have explained to them just to let me know my YTD interest for XXXX they are unable to tell me over the phone, I am XXXX XXXX and cant go in the branch, federal law states they need to mail by XX/XX/XXXX numerous times I have requested the original or a duplicate and never get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I paid off this car XX/XX/2022. 
They told me that title sent to me, but i never received the title. 
So I was speak with XXXX who is supervisor in customer service dept. 
They gave me 2 options for my re-issue title.

first one is that I need to send the duplicate title request via only mail.

I sent the mail to right address they provide me, but they said didn't received.

So I was trying to follow second option for get a lien release document to bring local DMV, but they didn't accept that letter to issue the title.

Hyundai Motors finance told me that I need to sent them payable check for duplicate title fee with trackable mail, they not gon na pay for it. Is this my responsibility?

They took my money, but the car is still their own and their customer service is too lazy and slow.

Hyundai motors finance is 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 2023-03-20 00:00:00
Product: Credit card or prepaid 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: NV

Complaint narrative:
XX/XX/XXXX -- Purchased two airline tickets at XXXX XXXX website. A pop-up offer of {$400.00} credit immediately available if I opened an American Express Credit Card on the spot. I immediately filled out the required information and was approved for the card. 

XX/XX/XXXX -- Date of first billing. No {$400.00} credit listed on the billing statement. I called immediately. After a long and difficult time on the phone, including being told it was a XXXX problem, calling XXXX who apologized but said it was definitely an American Express problem. I called back American Express ( again, not a simple process ), and was given an " investigating case number XXXX ( or perhaps XXXX ). I was told by different people that I should call back after XXXX weeks, but later told it takes 4-6 weeks. 

XX/XX/XXXX -- told by Customer service " case is still active ; call back in 1 week. '' XX/XX/XXXX -- told again it was a XXXX XXXX problem. Again called XXXX who again apologized for the trouble, but said it way an American Express problem. 
XXXX -- told by XXXX XXXX at American Express ) to wait 7-10 business days. 

XX/XX/XXXX -- talked to XXXX, a XXXX, with no resolution yet. 

XX/XX/XXXX -- Told by XXXX that it can take up to 90 days. 

XX/XX/XXXX -- first talked to XXXX, who asked be to hold while he investigated ; after some minutes, another person, XXXX, told me she was taking over, and again I was put on hold. She eventually told me the case was settled and that it was determined I was not offered {$400.00}! This is after, somewhere along the line, I sent a screen shot of the pop-up offer of {$400.00} that showed up again when I was looking at flights at the XXXX website XXXX 

The last person I spoke with said the decision that I was not offered {$400.00} was final, and there was no more recourse through American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted Genesis FS Card Services to address an error on my credit report. Despite having made a payment of {$120.00}, they reported an incorrect balance, causing my credit score to drop and leading to my denial for a rental home. After an escalated call, it was determined that there was a payment glitch on their end, but they were unable to provide a resolution at the time. A subsequent call on XX/XX/XXXX to request assistance from a supervisor was unsuccessful, as they were unable to provide a manager and instead requested a 3-5 day callback. The reported error has caused me significant financial harm, including the loss of a {$100.00} rental application fee and the inability to secure a home to rent.

Company response to consumer: Closed with monetary relief