vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I called Citibank on XX/XX/2023 to close my certificate of deposit account and ask for the check to be mailed to the address on file. This was after the certificate of deposit matured and during the grace period where there would be no penalty fees for closing the XXXX. The check did not arrive after XXXX business days, so I called again and asked them to reissue the check. The check still did not arrive by XX/XX/2023, so I called and asked them to reissue the check to a different address. They said they had everything taken care of and the check should arrive at the new address in XXXX calendar days. I know the address was changed properly because I received an email showing the new address on file. However, as of XX/XX/2023, the check still has not arrived at the new address. I called on XX/XX/2023 to inquire about the status of the check and they said it has already been issued to the address on file, so I would need to visit a branch for more information. It is difficult for me to visit a branch because the nearest XXXX is very far away, and I let the customer service representative know about this, but they were unable to provide an alternative solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
In accordance with the fair credit reporting act Transworld systems Inc, Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 conviction of crimes which in antedates the report by more than 7 years.

15 U.S.C 1681s2 ( A ) ( 5 ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. 

As you can see by law they have violated multiple rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: NY

Complaint narrative:
I am requesting the correction of 30, and 60 day late reporting on my credit. Audi Financial Services failed to set up autopay, resulting in money not being withdrawn from my bank account. I called in early XXXX to set up autopay and was assured by an Audi/VW finance rep that everything was in fact set up. Apparently the autopay was not set properly by one of their reps, resulting in 2 negative marks on my credit. Please see the attached letter I sent to Audi as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: AL

Complaint narrative:
the Bankruptcy listed on my credit report is not accurate and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
Myself, and the purchaser of the card are military veterans, it was a gift, meaning I do not have the receipt. It is part of the scam the company keeps insisting on perpetrating in order to drag it out. I feel confident it is an inside job because the card was a gift from last holiday and had not even been removed from the sleeve until this year when it was registered on the company website, though it carries a XXXX logo! It was only shortly after registering it that malfeasance occurred with the card! When I checked on XX/XX/23 the card had full value of {$100.00} when I attempted to use the card on XX/XX/23, I was told the balance was XXXX dollars and change. {$94.00} had been charged on the card, without it ever leaving my wallet of possession, hence what is the access point? The registration point for the host company, Blackhawk Network California Inc. These companies have shelf space in every store in this country, therefore in every sense are aided and abetted in committing fraud, when they sell the product, and when customers register it, with someone committing theft on the other side! For the record, there was news coverage in the city I am near about multiple acts of theft this way with other victims telling their stories. And yet, the system continues to enable it. As the other victims, I will never buy, and I will inform others to never buy a gift card again!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In the summer Great Lakes Loan service ended their company? And transfer every to Nelnet XXXX XXXX. 
I've been emailing Nelnet on their forms online, letting them know that I can NOT make a large amount of payments each month ( over {$300.00} ). 
They have either ignored me or denied me or both. Which I don't know why. I did a lot of forms for forbearance and/or low payments on FAFSA/Student gov XXXX. And yet Nelnet is not helping me. 
I'm a single mom with XXXX kids, and receive no child support ; I'm the only income coming in my household. I desperately need help with lowering my payments or putting them on freeze. 
Because I do not need my wages garnished in any way. Please help. 

XXXX : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
These account is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TN

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Today XXXX XXXX XXXX I attempted to purchase gas with my Conoco card and was told that the purchase was denied. When I arrived and called customer service, I was told that my account was closed. There was no notice of this closure. There is no reason for this closure. Living in XXXX XXXX as a XXXX citizen the closure of my card creates difficulties. 

My account has never been late in payments and in fact, I have had a XXXX payment due for my account for sometime. I do n't drive much and pay of the total balance each time a purchase is made, In fact, often before the payment due date. 

The customer service representative said that a letter would arrive and was sent on the XXXX of this month -- did he mean XXXX  Because today is the second. To date, no letter was received. 

The representative said that the reason was based on too many credit cards : I have less than average and none of these have been late in payments. 

There was not justification to close my account and as far as I can assess the action was discriminatory. And i believe that if a review of this company 's closure of accounts is made, I feel sure that there are many others who have received account closures with out justification. it may be evident that their is a higher percentage of closure with out justification for women and also people that are XXXX XXXX in ethnicity. An investigation will be able to assess this. 
Nevertheless, my account should not have been closed..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RAB, INC.
State: TX

Complaint narrative:
This company RAB Inc has harassed me with phone calls and text messages. Calling everyone I know. To name a few : my employer, my broker, my mother, my colleagues, etc. The guys name is XXXX XXXX and he sends text messages and leaves harassing voicemails. He still has been unable to furnish paperwork on the alleged amount owed and has not mailed me written notice of the debt or information that the debt belongs to me. If I could attach the voicemails I would. He threatens to take my real estate license and that he will be in contact with my real estate company I work for. He said he is prepared to play a game and come for everything I have. He called my broker and all the realtors in my office harassing them, it has gone too far. There company comes off as a fraud because they have sent no paperwork or facts but just harass and call you through phone calls and texts making false allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am involved in litigation with midland I am federally protected consumer I have never had any transactional history with midland or have a contractual obligation with the alleged account I am being sued for This has caused sever confusion for my family and frustration I have never had a account with this company with my wet signature I have never made any transactions The alleged account has a arbitration agreement in place before any litigation can begin Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. 15 U.S.C. 1692f ( 1 ).

Midland is using unfair and misleading information to obtain a frivolous debt and I will not be scared into paying for a account that I have no contractual obligation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Immediate Removal of Inaccurate Charge-Off Reporting I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by XXXX. I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681b. 

I have recently reviewed my credit report obtained from Equifax and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: MN

Complaint narrative:
I applied for the XXXX plan on the DOE website XX/XX/XXXX and was approved. I was given the payment amount of and I was prepared to pay the payment amount for XXXX. Then I got an email from aid vantage saying I owed a payment amount that was hundreds of dollars more, and they separated the payments into a {$320.00} and an {$85.00} a month payment for a total payment of over {$400.00}. According to my XXXX plan I was approved for the payment amount was around {$180.00} a month. I immediately tried to call aid vantage to get this resolved.Ive called now several times. The first call was XX/XX/XXXX. The second call was XX/XX/XXXX. Both times I sat on hold for literally hours, until my cellphone battery died from waiting on hold. I have not received any correspondence from aidvantage acknowledging the payment plan application and I can not reach anyone to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
REFERENCE # XXXX | I am writing to express my deep concern and frustration regarding the recent denial of my application for the Sam 's Club XXXX XXXXXXXX, issued by Synchrony Bank. I recently received a denial notice citing " Insufficient Credit from trade references '' as the reason for rejection. 

I must vehemently object to this reason, as it is not only inaccurate but also a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). Both statutes mandate fair and accurate reporting, as well as the provision of equal opportunity for credit. 

Furthermore, I would like to bring to your attention that the denial notice provided to me did not comply with the requirements set forth in 15 USC 1611 and 15 USC 1681m of the Fair Credit Reporting Act. The notice not only failed to identify the source of the information used in making the adverse decision but also neglected to disclose the name and address of the consumer reporting agency ( CRA ) that provided the report. These omissions are direct violations of federal law, which mandates that consumers be informed of the sources and CRAs providing information that adversely affects their credit applications. 

My credit history spans over a decade, with an impeccable record of on-time payments across various trade references, both on my business credit profile and personal credit profile. This includes a flawless track record of never missing a single payment. Therefore, the claim of insufficient credit is unfounded and contradicts the information present in my credit reports ( false information ), which according to 28 U.S. Code 4101 is clear defamation of my character and also illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: FL

Complaint narrative:
Student Loans were forgiven through the Public Service Loan Forgiveness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: FL

Complaint narrative:
Student Loans were forgiven through the Public Service Loan Forgiveness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: SC

Complaint narrative:
I already contacted Experian and they sent me a notification that they removed the some accounts but they still there. And I have late payments on my carmax account that should not be up there XXXX and XXXX for that account have XXXX late payments and I provided proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
They have my name listed incorrectly on my credit report as a XXXX suffix. I have sent copies of my driver 's license and social security card via USPS on several occasions, with the last one by certified mail : ( Tracking number : XXXX ) Still no change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED., 1.XXXX  XXXX XXXX XXXX SC XXXX 2. XXXX XXXX XXXX XXXX XXXX, SC XXXX 3.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX 4.XXXX XXXX XXXX XXXX SC XXXX PLEASE HELP GET THEM REMOVED.

Company response to consumer: Closed with non-monetary relief