vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 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: MN

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX  Account ending in XXXX : 15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a Sect 2a ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report ; a credit report is a consumer report. Per part ( I ), only transactions and/or experiences should be reported. Marks such as late payment/s and utilization rates are illegal per this law.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act Collection Account XXXX XXXX XXXX XXXX XXXXXXXX, 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 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been removed. This is causing a huge delay in my personal life and I really need this taken care of so that I can move forward.

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 2022-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: VA

Complaint narrative:
The is a general complaint with gift cards from XXXX or XXXX that are given as gifts and are supposed to be able to be used in a store without registering the card, or online after registering the card. If you try to use it in a store there will be a hold put on it and may not be able to be used until you call them and they send you another one. It is a soft sham by US Bank National Association ( XXXX.XXXX  ) who, after receiving money for the purchase of the card do everything they can to keep from parting with their easy money. One easy question for you : can you not require the company to provide accounting on what percentage, and how much, of the income from their gift card purchases are actually paid out? They have even thought of this by saying that the account remains open forever. Come on guys. Have you really not looked into this? Every person so know has received one of these cards in the past 5 years.

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 2022-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/2022, Citi Bank froze all my accounts. This was first reported under Case # XXXX. In response to my CFPB complaint, Citi sent a letter ( Reference # XXXX ) dated XX/XX/2022 acknowledging that these funds were frozen and that the case was under review. As of today 's date ( XX/XX/2022 ) these funds are still frozen, creating great hardship for me. 

I have subsequently learned that specific funds are exempt from any and all bank actions to freeze funds. Specifically, exempted funds are Social Security deposits, Federal and State tax refunds, and all funds from private retirement accounts. 

Even a casual glance at my several accounts -- checking and saving -- shows that all of the funds come from monthly Social Security payments for me and my minor children, and from my private retirement account. Consequently, Citi has been and continues to be in violation of existing laws protecting such funds. 

All attempts to resolve this matter have been rejected with arrogance and disdain from Citi Bank, even though I was a customer for more than 25 years.

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 2022-10-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed with XXXX EQUIFAX AND XXXX SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed with EXPERIAN XXXX AND XXXX SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the 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 non-monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX  XXXX completed an investigation for an account from XXXX XXXX. The account was closed due to fraud and was deleted off of my account. Before the investigation it was sold to Portfolio account services. I submitted the results from the investigation yet they ignored my email and proof. Its continually being reported to this day. Getting phone calls 7 days a week and addressing to several associates that it was fraud and was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Earlier this year my chase account got hacked and it was close due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: PA

Complaint narrative:
REPETITIVE CALLS, EMAILS AND MAIL TRYING TO COLLECT A DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act Collection Account 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 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been removed. This is causing a huge delay in my personal life and I really need this taken care of so that I can move forward.

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 2022-10-09 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: MN

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX  Account ending in XXXX : 15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a Sect 2a ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report ; a credit report is a consumer report. Per part ( I ), only transactions and/or experiences should be reported. Marks such as late payment/s and utilization rates are illegal per this law.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
On XX/XX/22, I received the results of a previous complaint that I filed via the CFPB on XX/XX/22 regarding a collections account balance. XXXX XXXX XXXX responded, stating the account was closed as fraud and deleted. The dispute was settled. I was then instructed by a CFPB representative ( who confirmed the account was deleted ) to submit this information to XXXX, XXXX, and XXXX so that could be reflected on my credit score. I did so on XX/XX/22. Today, XX/XX/22, they have completed my disputes and said that the debt is still owed on my account according to Sunrise Credit Services who has verified that it belongs to me. This can not be correct as it directly contradicts the results I received from the CFPB last month.

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 2022-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
I called Mohela in XXXX to request that payments I made during the COVID pause returned to me. The representative gave me a timeline but it has now been a couple of weeks beyond when she said it should be returned to me. I have tried to call Mohela again several times but their wait times are several hours long and I just don't have XXXX hours to sit on the phone waiting for service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company is trying to collect debt in a state that they do not have a license to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi has closed my double cash card account in retaliation for me withdrawing my deposits and closing my checking and savings accounts. They have closed my account without notifying me and without just cause. They have revoked my access to make payments online, and refuse to send me statements. When I call the number on the back of the card to make my payments, their automated system malfunctions and does not allow me to make my payments. 

Since I am not receiving my statements, can not pay online, and can not pay over the phone... I have no way to keep this account in good standing. 

This is purpousful action taken by citi to try to destroy my perfect credit in retaliation for me cussing them out and insulting their intelligence. 

Thay have repeatedly claimed that they will no longer respond to these complaints that I'm lodging, yet continue to respond telling me that the problem is mine to fix, seemingly for the purpose of taunting me. 

Citi has been unreasonably lazy in their " efforts '' to resolve this situation and are refusing my payments. This complaint is intended to put on record that I have repeatedly attempted to pay my bill, which was due yesterday, and that Citi is refusing my payments.

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 2022-10-09 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX  has been charging my credit card for 6 months of extra random charges. I contacted them by phone and email and the charges continued. I contacted Bank of America and explained the situation was told there is no manager available, there is no phone numberto reach one, and i can not get an ID, Badge number or any information that i could use to refere back the the representative i was speaking to except a first name and was hang up on twice. 
My card has been fraudulently charged hundreds of dollars and the bank refuse to help me resolve the issue in anyway but has no problem charging me for interest on the fraudulent charges being billed to my account.

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 2022-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I contacted Aidvantage by phone on XX/XX/XXXX and requested {$8900.00} in qualifying payments to be refunded as part of the Covid payment pause. The agent confirmed the amounts and said he needed approval but submitted it for me, saying to call back in 48 hours if I didnt see a change. 

I called back on XX/XX/XXXX and the agent could see that I spoke to someone on XX/XX/XXXX, but said no approval request was made by them. She said she submitted it. After the call, I also sent an email to Aidvantage recapping the call and confirming the request. On XX/XX/XXXX, I received a response saying that this brand new agent JUST submitted my request for approval, meaning that it hadnt been done the first two times. 

I checked back in via chat on XXXX, and the agent said they saw that it was approved by a manager and they would now process the request. I followed up on XXXX and confirmed via chat again that it was submitted on XXXX. 

I have still seen no balance reinstated on my account, and have little confidence my request has made it to the right place. I know the staff is inundated with these requests now and are doing their best and I appreciate the help I have received, but had my original request been completed on XX/XX/XXXX, two days before the forgiveness announcement, I would have avoided this long wait and confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates LLC is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. 

Portfolio Recovery Associates LLC are debt collectors demanding a debt on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have not received any goods or services from Portfolio Recovery Associates LLC and I do not know how Portfolio Recovery Associates LLC received my private information. 

Portfolio Recovery Associates LLC previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to Portfolio Recovery Associates LLCs failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from Portfolio Recovery Associates LLC. I am being harassed. 

As of XX/XX/2022, Portfolio Recovery Associates LLC will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. Portfolio Recovery Associates LLC is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to Portfolio Recovery Associates LLC. , on behalf of another company at the expense of my private information being on display to whomever. 

I am not a party to any agreements that Portfolio Recovery Associates LLC may or may not have with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for Portfolio Recovery Associates LLCs purchase / transfer from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not agreed to pay/tender anything to Portfolio Recovery Associates LLC XXXX 

I have contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Portfolio Recovery Associates LLC. At this time, I demand no further contact from any associate or authorized representative of Portfolio Recovery Associates LLC. 

My credit files are not to be reported to or damaged in regards to this matter as Portfolio Recovery Associates LLC., are not Holders In Due Course with contractual agreements to support goods or services provided to me. 
All calls are recorded for my safety Please be advised that Portfolio Recovery Associates LLC., are not Holders in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. 

XXXX XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Capital One Bank ( USA ) N.A. I have not received any goods or services from XXXX XXXX XXXX XXXX and I do not know how XXXX XXXX XXXX XXXX received my private information. 

XXXX XXXX XXXX XXXX previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to XXXX XXXX XXXX XXXX  failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from XXXX XXXX XXXX XXXX. I am being harassed. 

As of XX/XX/2022, XXXX XXXX XXXX XXXX will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of another company at the expense of my private information being on display to whomever. 

I am not a party to any agreements that XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( USA ) N.A. I am not responsible for XXXX XXXX XXXXXXXX XXXX purchase / transfer from Capital One Bank ( USA ) N.A I have not agreed to pay/tender anything to Portfolio XXXX XXXX XXXX XXXX 

I have contacted Capital One Bank ( USA ) N.A in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to XXXX XXXX XXXX XXXX. At this time, I demand no further contact from any associate or authorized representative of XXXX XXXX XXXX XXXX. 

My credit files are not to be reported to or damaged in regards to this matter as XXXX XXXX XXXX XXXX, are not Holders In Due Course with contractual agreements to support goods or services provided to me. 
All calls are recorded for my safety Please be advised that XXXX XXXX XXXX XXXX, are not Holders in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.

Company response to consumer: Closed with non-monetary relief