vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
After filling the application online and being denied credit, I called American Express customer service on two different occasions to get a manual reconsideradion from American Express, and both time I was told no, which now lead me to believe that I was XXXX  against because I did my credit application in good faith and credit was not issued. Attached is the denial letter from American Express and another document. Furthermore, American Express claims that the reason I was denied credit it's because I have too many new bank card cards, pursuant to federal law based on the response I received from American Express, that is not a reason for me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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.

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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX & XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a the right to privacy.

16 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # XXXX & XXXXXXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a the right to privacy.

16 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When someone tries to access my Equifax report it is either blank or has someone elses name. I am being told i have two credit files. When I call Equifax I am given the run around. When I access my report via their site it is blank. I am being denied housing and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened my checking account on XX/XX/2022. I attempted transferred {$2100.00} from my XXXX  XXXX XXXX over to my chime account. Once that transfer started chime locked out my account due to internal policies. They stated that to unlock my account I had to send two copies of ID as well as mail with my physical address on it. I was told by the Chime representative that as soon as I submitted my documentation I would have my account open in 24-48 hours. I immediately submitted the documentation to them. My account is still locked, I have spoken to them on the phone and each time they assure me my account will be open in a few hours. I have been also told that the phone representatives can not help me and the only people that can help me are only reachable by email. I have emailed them at XXXX multiple times and they dont respond to my request other than to say they are forwarding my emails to the proper department who never answer. I told them that I want to close my account with them and for them to return my money to my XXXX  XXXX XXXX account. They told me they will not send my money back to XXXX  XXXX XXXX until their internal policies have been resolved and my account is unlocked. They told me there is nothing to be done, my money is unavailable, and I need to be patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
This info provided i not can not find and have used disputes to locate and bring to attention of Hippa violation for info provided was not written and I did not provide written permission. XXXX : XXXX request that this and all medical related inquires be deleted and not just removed.

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 2022-09-16 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Company has refused to erase a credit file that isn't mine. All other bureaus has erased this fraudulent credit file on my report but XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX my checking account at Wells Fargo was hacked. I saw it that day called the bank and filed a report Claim # XXXX amount {$990.00} Reference # XXXX Claim # XXXX amount {$990.00} Reference # XXXX Claim # XXXX amount {$990.00} Reference # XXXX Claim # XXXX amount {$490.00} this amount stated it was a wire transfer for Bit Coin Wells Fargo is saying they will not refund my money The first three claims were a XXXX to a person named XXXX XXXX This person called from phone number XXXX The name XXXX XXXX appeared I was trying to cancel my XXXX XXXX Account and XXXX the phone number. 
These people answered So when Wells Fargo said they will not refund my money I opened an escalated claim with them Claim # XXXX I spoke to XXXX on XX/XX/XXXX at extension XXXX Phone number XXXX She said she will reopen my case but does not expect a positive resolution. 
Wells Fargo is so wrong!!! 
I had a XXXX  yesterday, I work in XXXX XXXX who stated Wells Fargo refused to give her back {$25000.00}. She contacted your agency and received positive resolution Please help me! 
XXXX XXXX XXXX XXXX cell XXXX work Address : XXXX XXXX XXXX. 
Unit XXXX XXXX XXXX Maryland XXXX Last 4 digits of SS XXXX Wells Fargo account XXXX I closed this account and opened a new one on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I deposited a inheritance check in the Amount of XXXX in my savings account and was given a print out stating that XXXX would be available on XX/XX/2022, with the rest of the amount of XXXX released on XX/XX/2022. On XX/XX/2022 I was informed that because of the Amount I would have to wait until XX/XX/2022, for the entire amount of XXXX to be released on XX/XX/2022. 
On XX/XX/2022, I was told that the all the funds would be available by XXXX on XX/XX/2022, this morning I was told the funds would not be available until end if day today. Now because I believed what they had told me and began paying off my bills with said funds my checking account is XXXX overdrawn as of end of day today.

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank just, without my approval of any kind, " upgraded '' my account to XXXX. I assume this was done as a sales tactic as their support can not move my account back to my standard Citibank account. XXXX forces minimum deposits on customer in exchange for nothing. I didn't ask for it and do not want it. I have tried to resolve this, several times, with support and they can not do anything.

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 2022-09-16 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: NV

Complaint narrative:
The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, I did not open this account this year! This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 explanation
Consumer complaint received 2022-09-16 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: TX

Complaint narrative:
There is a {$7000.00} charge off on my credit and bill collectors keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.

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 2022-09-16 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: TX

Complaint narrative:
There is a {$7000.00} charge off on my credit and XXXX  XXXX keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a {$7000.00} charge off on my credit and XXXX  XXXX keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.

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 2022-09-16 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: AES/PHEAA
State: NC

Complaint narrative:
I submitted an Employment Certification Form ( ECF ) TO FedLoan for my employment at the XXXX  XXXX XXXX XXXX and XXXX ( XXXX, a XXXX XXXX XXXX  ) signed XX/XX/XXXX however I had the wrong EIN on the form. I mistakenly had XXXX but on my W2 the EIN is XXXX. This was corrected in the fedloan servicing system on XX/XX/XXXX and sent to DOE for a review. On XX/XX/XXXX FedLoan confirmed for me that DOE had approved XXXX, but FedLoan denied the ECF because my loan had already been forgiven ( XX/XX/XXXX ) I never received a written determination on the XX/XX/XXXX ECF. I was told verbally on XX/XX/XXXX that it was denied but written correspondence was not sent to me. I asked for them to manually override this and send a letter. None received to date XX/XX/XXXX. 

Including this APPROVED employer will change my forgiveness date ( currently XX/XX/XXXX ). Payments from XX/XX/XXXX through XX/XX/XXXX will count towards PSLF. A total of 44 more payments should be applied. This puts my forgiveness date as XX/XX/XXXX and entitles me to a refund from XX/XX/XXXX through XXXX of XXXX when COVID forbearance began. I spoke with XXXX # XXXX at Fedloan and she confirmed that the XXXX ECF should have been processed first and applied in full before forgiveness was applied. 

I have also been advised to submit this reconsideration by the Ombudsman as a means to resolve my complaint # XXXX. I did so on XX/XX/XXXX, case number XXXX. On XX/XX/XXXX I was told by XXXX at the Federal Student Aid Info Center that review was complete and to watch my email for the decision. On XX/XX/XXXX The Federal Student Aid Info Center sent me an email in response to my inquiry that said they are " Unable to see the documentation of the reconsideration. '' I have called several times and gotten the same response from numerous reps. This is odd as XXXX from that group told me in XXXX that it was resolved. 

This is critically important to me as I am a XXXX patient and have extreme medical bills. My situation, where forgiveness was applied before all employers were deemed eligible is a textbook case that should be eligible for reconsideration and all of it was due to one small error on an EIN. I do sincerely appreciated forgiveness. I am also concerned about the delay as the limited PSFL waiver is ending on XX/XX/XXXX. 

My account is still with FedLoan, not XXXX. FedLoan says the DOE must issue a new forgiveness date. 

FYI I resubmitted the XX/XX/XXXX ECF on XX/XX/XXXX as it has been almost a year and received acknowledgement that it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Personal Info Needs to be updates CRA refuses to do it through their system Correct Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Personal Info Needs to be updates CRA refuses to do it through their system Correct Name - XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-09-16 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

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