vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I've had a credit card with Citibank for several years and have maintained on-time payments consistently. However, due to a recent illness, I missed my payment to them that was due by XX/XX/XXXX. Starting on XX/XX/XXXX, I have received/been receiving no less than 4 and up to as many as 10+ phone calls PER DAY from this company. In the past week and a half, I've received more than 50 phone calls ( and a couple of emails ). Having just returned home from illness, my phone log, answering machine and voicemail service is flooded with these calls. I've tried accepting/returning calls and have gotten disconnected or unable to connect with them. I intend to make my next payment ( and missed payment ) within the next couple of days but I feel the harassment from this company is horrendous and is causing extreme stress and XXXX. I didn't think these companies were allowed to badger and harass clients to this extent ( thought that more than 2x/wk wasn't permitted ). I'm hoping someone can do something to stop/prevent them from continuing to do this to me or anyone else

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/ I sent a dispute letter to Experian requesting them to investigate and correct or delete inaccurate information on my credit report. Days later I received a system generated response from their system refusing to investigate my disputes on the basis of an unverified assumption that I was a using a 3rd party, which I am not. This is now month 3 of me trying to get to Experian to adhere to the FCRA and follow procedures outlined by congress to ensure I have a fair and accurate credit report. Experian has refused to abide by the FCRA and accurately investigate my disputes.

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 2023-09-05 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-09-05 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: EdFinancial Services
State: NY

Complaint narrative:
Just now, on XX/XX/2023, I am in receipt of a taunting, harassing, and wicked message from EdFinancial in the XXXX complaint portal. EdFinancial appears to be celebrating that my {$70.00} payment was applied to the wrong group, a group I never specified as payment. I was very specific, in my selection of online functions, that my payment be applied to my loan group with the highest interest rate, as it relates to the {$70.00} payment and any hypothetical future payments where I may or may not specify my highest interest loan group for payments.

EdFinancial must stop any and all interest from my loans until they resolve this problem by reducing my loan balance in the desired group for payment of the {$70.00}, especially as since this is a problem of their own creation, and since they refuse to behave themselves when communicating with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: GA

Complaint narrative:
the company allied interstate keeps calling me repeatedly

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan With Fifth Third Bank I never made a late payment in my life not by them not by any of my credit cards or car loans. 

In 2022 I signed up for a COVID forbearance program that I was not supposed to make payments and I was told that it would not affect my credit score in any way when I started making payments again fifth Third Bank reported four late payments all of them 120 days late to the credit bureaus this is wrong I would never sign up for any program that will wound my credit I reached out to them several times but they didn't do anything about it and my credit is still ruined because of this. 

Please help me to figure this out with them they should fix it on my credit report and remove the four late payments XXXX XXXX XXXX XXXX of 2022 Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I asked the company on XXXX XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations.

Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( Upstart XXXX XXXX, Upstart Network LLC ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
Exeter Finance violated NC state law during the process of repossession of my previous vehicle I had financed with them. Exeter finance broke NC state law : Notification of Sale : After repossession, the creditor is required to provide the consumer with a " Notification of Sale. '' This notice MUST include information about the sale of the repossessed collateral, including the date, time, and location of the sale. It also informs the consumer of their right to redeem the collateral by paying the outstanding balance, as well as any additional fees associated with the repossession. At no time did Exeter Finance mail me this information per my consumer rights in NC, thus I was not given the chance to bid on the vehicle at auction. Furthermore, Date last active, date of last payment and the payment history being reported due not meet XXXX standards and also are in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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:
I sent letters to XXXX and Equifax and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023 and XXXX XXXX XXXX XXXX and Equifax sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX or Equifax doesn't have any files to verify this account, nor will they delete it. 



The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Posted on Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Posted on Equifax and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: CA

Complaint narrative:
I recently received a notification from XXXX XXXX that my personal information was exposed during a data breach taking place earler this year. I also received a notification that a creditor on my credit report ( XXXX XXXX XXXX XXXX had a data breach where my personal information was exposed. I have an inquiry on my credit report that I did not authorize or solict their products. XXXX XX/XX/2023 and XXXX XX/XX/2023. These are unauthorized inquiries and I would like to see documentation from the creditor with my signature authorizing these inquiries. 
I have no current business, past business with XXXX and no current or past business on my credit file with 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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
This is a follow up complaint to XXXX. 

I have contacted my Chase once again concerning the fraudulent charges on my credit card. They attempted to call me on XX/XX/XXXX but I was busy an unable to receive the call. I called back today ( XXXX ) to follow up. 

The first attempted call I was given no information. I was told my voice sounded robotic and asked to turn off my speaker phone. When this failed to resolve the problem I was told to hang up and try calling from another device. This has happened on previous calls to chase and seems to be a delay/frustration tactic to keep people from their money. 

When I called back ( from the same phone still on speaker ) there was no issue in being heard. I spoke with someone who told me the case had been '' reopened. '' Despite this case having been " reopened '' the last communication I received from them was a letter on XX/XX/XXXX stating the case had been concluded. I was told I would be contacted within four ( 4 ) business days. I requested to have information added to case about the information I was requesting. I requested all information regarding the charges ( specifically card data, signatures, video footage, location, signatures and itemized receipts ). I requested a record of when all cards and replacements for my account were sent out. I requested IP, Location, Device, and Date information on when the merchant for these fraudulent charges was added as a pre approved merchant for my card. In response I was told I would have to request this information from the fraud team directly and the only note they could add was that I was requesting " all available transaction data. '' This was woefully incomplete and a blatant attempt to continue hiding a malicious seizure of funds with incompetent investigation. 

I hope the CFPB will hold Chase responsible for the $ XXXX that have illegally taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I received emails from Current thanking me for opening an account with them. I had not opened such an account. I submitted a complaint online and after much back and forth via email, they gave me a phone number ( XXXX ) to call. When I spoke with the Current representative on XX/XX/2023 at XXXX ET they said they were escalating to their fraud department. He confirmed that my DOB and email were used to open the account but could not tell me any portion of the SSN used and only my state for the address. 
Since the XXXX, I've received nothing from their fraud department and continue to get emails from Current about fees I will incur, including for lack of activity on the account. 

I called their XXXX again today, I was advised to wait 24-48 hours from my original complaint to hear from their fraud department. It has been much longer than that already so I asked them to connect me to the fraud department. She stated they only had an email address, no phone number on file for the fraud dept. So I'm left waiting with no resolution... this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: NC

Complaint narrative:
On XXXX  I sent a dispute letter to Equifax requesting them to investigate and correct or delete inaccurate information on my credit report. This is now month 3 of me trying to get to Equifax to adhere to the FCRA and follow procedures outlined by congress to ensure I have a fair and accurate credit report. Equifax has refused to abide by the FCRA and accurately investigate my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: TN

Complaint narrative:
Ive closed the account and have requested my deposit back, the company has yet to send me my deposit. I originally requested my deposit on XX/XX/2023. They are now stating that it was returned and now are sending it back out on XX/XX/2023. 

This is unacceptable and I feel as though I have been scammed, no one with the company is able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet keeps listing my account as having past due payments. When I paid, they didnt credit the account. I disputed 3 transactions and the bank returned my money. Account was once again showing past due, even though Nelnet is supposed to write off this amount due to the XXXX vs XXXX class action settlement and return all the money paid. I once again paid to avoid any issues while they work out the settlement process of returning money and discharging the debt, but once again they did not credit my account, even though the money was pulled out from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation