vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 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: LCI Acquisition Inc.
State: MO

Complaint narrative:
Ive reached out to this company LCI that furnish my private information to XXXX credit agency its illegal and a violation of my rights under the fcra I did not authorize for that company to share my private information to the XXXX I spoke to a representative at XXXX and they said they got the info from LCI

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Ive reached out to this company XXXX that furnish my private information to Transunion credit agency its illegal and a violation of my rights under the fcra I did not authorize for that company to share my private information to the Transunion I spoke to a representative at Transunion and they said they got the info from 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 2023-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Back in XX/XX/2023, I cancelled XXXX XXXX insurance to switch over to XXXX. I called XXXX XXXX company to informed them about my cancellation. I also logged into the website and cancelled the policy in my account. However, XXXX XXXX did not cancel my policy but they let my policy remain active until XXXX. Then they charged me for around XXXX dollar for service during XXXX, XXXX, and XXXX. I made it clear with them when I cancelled my policy is that I don't need it anymore. I wanted to cancel it. They did not cancel it for me and now they say I owe them for service during those months. They even send debt collector after me for something I did not owe them. I really made it clear that I wanted to cancel my policy because I switched over to XXXX and I have my insurance policy with XXXX from XX/XX/2023 as my proof of story. 

As you can see from the attached documents, I moved to another state in XXXX and started a new insurance in the new place. I never needed to renew with XXXX XXXX. However, they did not cancel for me when I contacted them. They let the policy remain active for a time and charged me for the service I never requested. This is unethical. Please help me with resolving this issue. 

Please help me resolve this issue and stop this unethical practice of XXXX XXXX company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These Accounts have violated my rights According to FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED.

I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY.

PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2023, I messaged in to the American Express chat feature to close an account. I specifically mentioned multiple times that I would like to close my Business Platinum card ending in XXXX ( see screenshots attached ). When I was given the terms and conditions for closure and prompted for confirmation, I specifically mentioned the card type and card ending in XXXX. Unfortunately, the representative erroneously closed a fairly new Business Gold Card ending in XXXX, which I realized a few weeks later. I then messaged back as soon as I noticed ( on XX/XX/2023 ) to rectify this mistake. The correct card was then re-opened ( XXXX ) and the correct card was then closed ( XXXX ) which was good news. However, the XXXX card was fairly new and I had just received a signup bonus for it ( XXXX XXXX for pre-requisite minimum spend, plus points for the spend itself ). Because it was closed within 1 year and this was against the terms of the signup bonus, the points were retro-actively deducted -- resulting in a negative XXXX Membership Rewards balance ( closer to negative XXXX XXXX balance ). After XXXX week of the points not being re-instated as they were supposed to, I messaged in on XX/XX/2023. They said it would take 7 days maximum of escalation. I messaged in on XX/XX/2023 and they said it would take a maximum of 72 hours additionally. It is now XX/XX/2023 and it has still not been rectified. The points have been deducted from my account, hours of my time have been wasted, all based on an error and poor subsequent rectification on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc.
State: NC

Complaint narrative:
The company claims that they can not find my account even after numerous communications. they were also informed that there was identity theft, paper works were provided and I an still not getting anywhere with XXXX. I sent the communications in the previous email and they still do get it. I have been locked out of my account therefore I do not have the account number. I also inform the team that my email has been cloned by XXXX which reads XXXX. If I send you direct message from my email to XXXX, XXXX mimics my email address. On the other hand, this happens to no one else. Only with XXXX. The matter was reported to XXXX and XXXX reassured me that my account is safe. XXXX should ask their security team to look into the matter since it happens only with XXXX. To date XXXX still can not locate my account. they haven't tried extensively to identify me their customer, making me feel as if they are holding my money XXXX. All i need is my money that I worked really hard for from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently learned that I have been making double tax payments on my property every year since I purchased my home in XXXX. I receive annual tax bills from XXXX XXXX and pay them while making monthly tax payments through my escrow account with my mortgage company- Bank of America XXXX I have never been refunded for my duplicate payments. 

I have tried to get a resolution through Bank of America but I keep being transferred to endless automated systems. I have tried to reach out to XXXX XXXX but their automated systems error out or put me in a continues dead end loop. I can't get anyone live.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These Accounts have violated my rights According to FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED.

I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY.

PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT.

YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA.

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These Accounts have violated my rights According to FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED.

I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU.

PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT.

YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA.

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on XX/XX/XXXX i had my bank account hacked and all my money from my savings transfered into my checking account and stolen from my checking account. I have no idea how my account was breached. I pursued claims with my bank ( wells fargo ) and they soon denied the claims and stated that the money transfers were authorized and that both claims would be closed. There was a total of XXXX dollars stolen from me and XXXX was from one savings account and the XXXX was stolen from another savings account. I am XXXX XXXX XXXX and a student and im very unsure of what to do and the steps to take forward. I was working on the XXXX and seen that money was missing and tried so hard to get things settled and when i was on the phone with the claims depertment they witttness them steal XXXX dollars from me and then decided to claim that my transfers were authoized and i truly feel like i am getting sweeped to the side and i need help.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My information was sold and bought illegally because I was victim of XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. List all these negative accounts from yours XXXX credit reports. Account names and account numbers.

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 2023-11-26 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: MOHELA
State: WA

Complaint narrative:
Since XXXX, I have tried setting up an Auto Pay for student loans and it shows in my bank account but I keep getting notifications from Mohela about not getting the payments. Its super confusing and so frustrating, because it shows Im making the payments but still getting notified that Im not making payments. What am I doing wrong? Mohela isnt a sufficient student loan company and they need to figure their stuff out. Its unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express delta sky miles, refunded me a promotion check, now they are charge me as a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit file has been locked on ALL XXXX Credit Bureaus due to my information found on the Dark Web and several company breaches ( SSN, Drivers License, DOB everything has been stolen ). On XX/XX/XXXX, I unlocked my credit on Experian website to apply for a credit card and I requested it to be relocked the following day, XX/XX/XXXX. Today while monitoring my XXXX XXXX account for unauthorized charges, I noticed a pending charge of {$27.00} from Experian, I immediately log into my FREE Experian account to see what the charge was for, it was was their membership, which I DID NOT authorize. I immediately cancelled this SCAM membership. While exploring the membership, I noticed Experian signed me up for this SCAM because it said my account was locked on XX/XX/XXXX. Apparently when I request to relock it, they charged me for it. WTH! I DID NOT AUTHORIZE EXPERIAN, WHO ACCESSED MY CREDIT CARD FROM MY REPORT WITHOUT MY CONSENT. I HAD A FREE MEMBERSHIP AND I DO NOT USE ACTUAL MY CAPITAL XXXX CARD NUMBER ONLINE, I USE VERTIAL CARD NUMBERS TO PREVENT UNAUTHORIZED CHARGES. EXPERIAN TOOK IT UPON XXXX TO SELECT THIS CARD FROM MY REPORT AND CHARGE ME FOR THIS MEMBERSHIP, THIS IS THE ONLY REASONABLE EXPLANATION AS TO HOW THEY WERE ABLE TO GET ACCESS TO THIS CARD. NOT ONLY THAT, WHILE EXPLORING THIS SCAM MEMBERSHIP WHICH COMSUMERS ARE APPARENTLY SUPPOSE TO VIEW ALL XXXX CREDIT XXXX SCORES, WELL, MY XXXX AND XXXX XXXX SCORES WERE FROM XXXX. SCAM! I DONT NEED TO PAY A MEMBERSHIP TO VIEW MY XXXX SCORES BECAUSE I RECEIVE A FREE XXXX SCORE FROM EXPERIAN AND I RECIEVE A FREE TRANSUNTION XXXX SCORE FROM MY DISCOVERY CREDIT CARD. I ALREADY PAY A MONTHLY FEE TO A CREDIT MONITORING COMPANY TO MONITOR MY CREDIT, DARK WEB, BANK ACCOUNTS, CREDIT CARD AND I RECEIVE FREE COMPLIMENTARY CREDIT MONITORING FROM EXPERIAN DUE TO EXPOSURE OF MY PERSONAL INFORMATION, SO WHY WOULD I CHOOSE TO PAY AN ADDITION {$27.00}. EXPERIAN SITE IS A SCAM AND MISUSES CONSUMERS CREDIT CARD, AT LEAST MINE, WITHOUT CONSENT FOR THEIR OWN BENEFIT. EXPERIAN NEEDS TO REFUND MY {$27.00} AND REMOVE MY CREDIT CARD FROM THEIR STORED SERVER OR WHEREEVER! IF THEIR SITE IS HACKED MY CREDIT CARD WILL BE STOLEN AND EXPOSED ON THE DARK WEB. WHO DOES EXPERIAN THINK THEY ARE!!!! I CANT BELIEVE THEY STOLE MY CREDIT CARD, THIS SHOULD BE A CRIME. I DIDNT PAY TO LOCK MY CREDIT SO WHY THE HECK WOULD YOU CHARGE ME {$27.00} TO LOCK IT BACK? I HAVE UNLOCKED AND RELOCKED BEFOR AND WASN'T CHARGED OR MY CREDIT CARD STOLEN TO LOCK IT BACK.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX has closed the account and when logged in to the account it is showing no balance ; the account has been charged off for several months with no correspondence and status on if the vehicle was sold in an auction or status on the overall account. since they have not tried to contact me and its not in collections or with a 3rd party ; it seems as though the debit is satisfied on their end and needs to come off my 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