vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
By the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and 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 explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: FL

Complaint narrative:
After a car accident due to the car hydroplaning in late XX/XX/2020. I spoke to XXXX and let her know i was coming to get my things out of the car. They were in such a rush to sell they got rid of the car before i could get my things when i areived they were remorseful and told me there is normally a cost of {$500.00} after a total loss but they would waive it because they got rid of the car with high value items inside. After complaining to them about my irreplaceable items they were upset and when i left they decided to put that charge as well as other chafges on my credit eventhough i do not owe a single dollar. I had gap insurance through that company who i bought the car through them. l can provide proof that this has affected my credit and my ability to get future loans and I have been dealing with homelessness due to this hardship. I reached out to this company and they werent empathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX account was opened fraudulently in my name I sent a dispute letter, XXXX and police report and their own identity theft complaint I disputed the account on XX/XX/23 the dispute results came back XX/XX/23 more than 30 days later but the information was deleted. Now the company has be harassing me and decided to report the deleted information on my credit report again. On XX/XX/XXXX Experian reinserted a deleted account information back on my credit. 1 it has been over 30 days and 2 this information was deleted. I did not receive anything in writing 5. Days after as they suppose to notify me of such. both are violations of my consumer rights pursuant to 15 usc 1681i ( 5 ) ( i ) ( ii ) ( iii ) and 15 usc 1681i ( a ) ( 1 ) see attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Lincoln Educational Services Corporation
State: MD

Complaint narrative:
I was told at Lincoln XXXX XXXX technology in XXXX Colorado was one of the schools that was in a fraud case they need to expunge people students loan I dont know how true this is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Youd have to get in contact with Wells Fargo because I was charged bunch of fees while having direct deposit of thousands of dollars before they closed my account that was a joint account with me and now deceased mother. Also when I deposited a check from a company that turned out to be fraudulent them still giving me not the whole thing but about XXXX dollars from it then finding out it was fraud and making us pay it back when were supposed to be protected from it as well as XXXX XXXX still taking money out of our account after my mother was deceased. An account I didnt even realize we had until months and months after her death because I was hospitalized 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 explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Paid my can off but is still showing on my credit need it 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 2023-03-19 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: ONLINE Information Services, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I paid XXXX On XX/XX/XXXX I paid the remaining XXXX They spelled my first name incorrectly which may be the problem in part but it needs removed from XXXX. I have my reference number and documents to support my complaint.i have disputed it 6 times to no avail. 


Please help I'm n need of a car loan I was denied due to this infraction on my report. The collector is Online Information Services. 

Their reference # XXXX to find my account PIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Fraud charges made on my debit card linked to my checking account. I reported it right away to my bank. My bank stated there was insufficient evidence to prove the transactions were fraud. They were international transactions that I did not make. Charges were : XX/XX/23 {$1000.00} merchant : XXXX XX/XX/23 XXXX merchant : XXXX XX/XX/23 {$530.00} merhcant : XXXX I was unable to reach these merchant because the transaction statements had no number or website connected to them. 
I called my bank numerous times for the credit refunded. They stated to wait 10 days. Nothing happened. I called again and was told over the phone my dispute had insufficient evidence. I wrote an appeal letter and also emailed an appeal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Credit collection services can not provide a wet signature for the alleged debts they are reporting each month to my 3 bureau reports. Credit collection services alleges I owe {$860.00} to XXXX but will not list it as medical debt, thus impacting my ability to secure financing. Credit collection services has failed to validate this debt with wet signatures from my person. I have disputed this allegation of debt multiple times on all bureaus. I do not owe this debt, I deny this debt. There is no reason I would ever need nearly {$1000.00} in labs when I am a healthy XXXX yr old with a state backed XXXX XXXX XXXX XXXX healthcare plan, as Im a XXXX XXXX XXXX. My co-pay for lab work is {$83.00} on my coverage plan. I believe this company can not provide a wet signature for this total amount of debt because it is not my own. I believe my information has been somehow transposed and they are attempting to collect an astonishing amount of debt from me on behalf of someone else. 

The debt is constantly being reported as an open account, which it is not. It is being reported as being open since XX/XX/XXXX which is also incorrect information based off of the time of visit for the alleged labs. The account is being reported under multiple companies on varying reports. XXXX has the reported debt collection company listed as XXXX and XXXX has it listed as Credit Collection Svcs. 

I have no contract with either of these entities. Neither entity has received permission to view any of my medical history, redacted or not. XXXX, the originator of the accounts has not received written or verbal permission to pass any of my information to a third party whether it was purchased or otherwise. I am requesting this {$860.00} collection be removed from my XXXX and XXXX report. XXXX has already deemed this collection incorrect and removed both. 

There is another {$110.00} collection from the aforementioned collection company reporting to both XXXX and XXXX. All information listed above applied to this debt as well. This debt falls under the new reporting act that states as of XXXX, XXXX medical debt under {$500.00} will not be listed on consumer reports. This debt should not appear on any report, nor should it be continuously reported as non medical or open each month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex Bank failed to make a timely transaction, and / or continued to process a transaction as late when bills was already paid, claiming that there was no override on their computer program. 
This resulted in being a decrease in my credit limits and being forced to reapply for credit. 
Amex also owes me XXXX for one transaction that was overpaid and never refunded. And XXXX for another payment that was paid when it was not owed. 
The negligence of Amex Bank cause me a XXXX point loss on my credit score and I downgraded a card because the annual fee was XXXX of the value of the entire card and not worth having anymore. 
This, after 19 years of banking with them has become the rationale to leave and have everyone that I know do the same. 
They damaged my credit because their checking and banking system do not communicate with the customer or internally with each other. 
If they dismiss this complaint without a resolution, there will be further consequences.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
With Transunion and XXXX, I disputed on numerous occasions ; latest being XXXX 2022 on collections subject to FCRA violations : 15 U.S code 1681a 2 as well as 15 US code 5 section 1681b and asked that collections be removed immediately. The only response I received was that they ( reporting agency ) were in compliance with FCRA and refused to provide from who or where they received info on my complaints. Transunion has denied me to dispute my concerns any further. I need these items removed as they are negatively impacting my scores. Below are the collections/charge offs I have disputed with the credit agencies : ( Transunion XXXX XXXX XXXX XXXX for {$2300.00} - XXXX {$540.00} - XXXX  {$310.00} - XXXX XXXX XXXX {$640.00} Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
With XXXX and Experian, I disputed on numerous occasions ; latest being XXXX 2022 on collections subject to FCRA violations : 15 U.S code 1681a 2 as well as 15 US code 5 section 1681b and asked that collections be removed immediately. The only response I received was that they ( reporting agency ) were in compliance with FCRA and refused to provide from who or where they received info on my complaints. XXXX has denied me to dispute my concerns any further. I need these items removed as they are negatively impacting my scores. Below are the collections/charge offs I have disputed with the credit agencies : ( XXXX XXXX Experian XXXX XXXX for {$2300.00} - XXXX {$540.00} XXXX XXXX {$310.00} - XXXX XXXX  - {$640.00} Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX, the resolution complaint specialist, incharge of a complaint I had made against the XXXX, XXXX WA location did not apply pertinent details of the situation to base his final decision off of. I know he is aware of those pertinent details I am referring too because I have a copy of the phone conversation I had with him prior to his investigation, where we both discuss the details he has failed to apply to his decision making. He states in his determination letter that " After carefully reviewing the video footage, he determine that I only had provided the teller with 1 form of ID, my passport, to cash a {$6000.00} check drawn from Bank Of America from a XXXX XXXX XXXX  vehicle manufacturer. What he has failed to mention, and was really the basis of the entire original complaint, was that the tellers REFUSED to let me provide then with any other form of ID, for which I had in my pocket a driver 's license and social security card. The tellers refused to accept anything but the physical debit card from Bank Of America or, " any other debit card another bank ''. The tellers were fully aware that the debit card from Bank Of America was still in the mail and they were aware of that because they were looking directly at my account pulled up on their computer. During my phone call with XXXX, he acknowledged that if the system requests another form of identification, there are several options to choose from and these tellers lied to me and insisted that the ONLY way they could cash my check was with the debit card they knew I did not have in my possession yet. This is why I feel like I was discriminated against by these women tellers based on my sex and profession. XXXX acknowledged in our phone call that the excuses given to me by the bank tellers was incorrect and my check should have been cashed. I have heard from 20 different customer care supervisors the same thing and the branch manager himself. He referenced the deposit agreement in his letter and said that I could find information regarding cash checking services required more then 1 peice of ID. I know that. I read my entire deposit agreement prior to my visit to the branch that day. That is why I brought more then one piece of ID. Bank of America does not accurately state anywhere pertinent information about their check cashing services and I believe that is pertinent information that consumers are not being provided with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC
State: GA

Complaint narrative:
My original debt was with XXXX, who sold the collection to XXXX XXXX XXXX. In XX/XX/XXXX XXXX contacted me with a settlement offer, which I accepted and paid in the amount of {$3400.00}. The item was listed on my credit as paid and I thought this was over. One year later, I got a letter by mail from D & A Services stating that I owe them {$2300.00}. I called the company numerous times and sent in all verification that was asked, yet they have refused to correct this item, and are advising me to contact XXXX, although D & A is the company that has listed a new debt on my credit. I do not know where else to go with this, this company has ruined my credit at a time where I am in the process of trying to purchase a home, and refuses to correct their actions. This item was paid since XXXX of XXXX, is listed on my credit as paid, and here they come with a new collection attempt. This is very deceptive and a practice that I wanted to bring to the attention of the Federal Government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: CA

Complaint narrative:
According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info 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 explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX-23 submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX-23, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX-2023 there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 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: NY

Complaint narrative:
The continuous reporting of my lateness that happened a while ago due to economic hardship, In accordance with the federal credit reporting act this creditor has violated my right under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or 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 explanation
Consumer complaint received 2023-03-19 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: NY

Complaint narrative:
The continuous reporting of my lateness that happened a while ago due to economic hardship, In accordance with the federal credit reporting act this creditor has violated my right under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose.

Company response to consumer: Closed with explanation