vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
We purchased American Express Gift cards close to {$60000.00} worth as gifts. We learned from some of the recipients that Gift cards had zero balances when they went to use them for the first time. We went through the ones we had left and Yes, they were correct they all had ZERO balances, used all over mostly in XXXX, Arizona, Washington XXXX. 
These were all sealed Gift Cards opened for the first time with Fraud activities on them. 
We have been trying to contact AMEX between the Gift card company and AMEX cards we have been getting the run around for over a year now. We contacted XXXX  and they could not get a resolution saying they are hard to communicate with. They said we sent you a letter stating we found fraud on cards and we sent you a refund check. Completely not true since we never received any refunds from them. I had gone on AMEX gift card review page online and could not believe what I was reading that this is happening to everyone. How they are getting away with this FRAUD blows our mind. This is a huge amount of money and something needs to be done please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
Somebody has applied and received an Aspire Credit Card and spent XXXX and has not made any payments. This has hurt my credit score drastically. There are also XXXX XXXX Account number XXXX XXXX Account status Pays as agreed Available credit {$1000.00} Reported balance {$1000.00} Credit utilization 100 % Date opened XX/XX/2022 I spoke with a Customer Service rep named XXXX. He did tell me that the SS is different from mine. He is mailing me some paperwork to fill out to get an investigation started. I What can I do to get all this off my credit report? I want to pursue this and prosecute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit XXXX times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit XXXX times

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 2022-10-21 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account Number # XXXX Has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MD

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-10-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this as a formal complaint against Experian for not investigating and removing the errors and inaccuracies from my credit report. Experian has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Experian and help me get these resolved.

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 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
We financed a new XXXX XXXX through GM Financial, and we have not received the vehicle. They keep postponing the delivery date ( 3 months now ). It allegedly is 30 miles from our house. We have made three payments already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am

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 2022-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX took over my home loan. They have reported my loan as missed payments in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid with proof of payment through my bank statements. I have requested to have those late payments removed off my credit report which has tremendously hurt my score as they werent late and my loan was sold to another company XXXX XXXX whom took over my payments in XX/XX/XXXX. I call XXXX XXXX XXXX only to be rerouted to XXXX XXXX. I then have to find a land line to call from so they dont have my phone number attached to my old account just to get a representative on the phone to redirect me to an email address for my concerns on this matter as she said she couldnt help me I have emailed XXXX XXXX XXXX FOUR times without a response! I have filed disputes with all 3 credit bureaus to have this removed and its currently under investigation. I am trying to refinance my home loan with a better deal and this is my hold up. For the past week I have stressed over this as NO ONE WILL ANSWER at XXXX XXXX XXXX. I shouldnt have to go through this much trouble to get customer service on a loan I had with them. I log on to their website and it redirects me to XXXX XXXX yet again. Someone needs to train this business with better customer service!! I can even access my old account not will anyone help me remove these negative remarks off my report. I have proof of payments and I have never been treated so poorly by a company! Someone needs to be held responsible for this!

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 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I physically have the card in my possession. 

XXXX  has confirmed this was a fraudulent transaction and forward the invoice confirming fraud/identity theft. 
Received 3 phone calls and 2 text messages from : XXXX Saturday XX/XX/XXXX @ XXXX " Hi this is XXXX XXXX calling from XXXX  regarding your refund request. Once you see this message kindly call back. '' Saturday XX/XX/XXXX XXXX sent a link to an application that would give them access to my cell phone and tablets. 

Serve has enabled idetity theft and is now enabling the sammers and id thefts to obtain my personal information and they are now contacting me directly with more scams as shown above. The number is a XXXX  number and not anyone associated with XXXX. 

I purchased this card in-store at XXXX. I did not use this card after I purchased it, I did not authorize anyone to use the card and I did not give the card details to anyone. XXXX has acknowledged that this was a fraudulent transaction and opened their own fraud investigation case. They also provided the invoice of the transaction. My identity was comprised and my money was stolen by this individual. I have my own XXXX XXXX ; why would I go to a store to buy a pre paid debit card to make an online purchase at XXXX when I can simply log into my account and use my credit card? I do not live in that state, that is not my name and I have the physical card in my possession. This was fraud and you have been made aware of this fraud. Please see attached invoice for proof I did not authorize anyone or make this transaction myself. I do not know the person listed on the invoice and i did not give them my card details or permission to use my serve card. 

Web order # XXXX : XXXX Card was purchased in-store by me at XXXX  XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX XXXX @ XXXX on XXXX XXXX, XXXX 

Serve  was notified of this non-authorized transaction at XXXX on XXXX XXXX, XXXX Serve has provided false information and failed to provide any evidence or proof that this transaction was authorized. I have submitted the physical card, the store receipt, the XXXX  invoice and my statement that i did not make this transaction nor authorize anyone to make a transaction. Serve  has not contacted XXXX  or attempted to prevent this from happening in the future. Serve has not provided any evidence in an investigation and has failed to be unbiased when reviewing the documents I have sent. Serve is either profiting off id theft or their employees are actively a part of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I filled out the Public Service Loan Forgiveness ( PSLF ) and mailed it to MOHELA early XX/XX/2022 ( forms are dated by employers around XX/XX/2022 ). My qualifying employers are the Social Security Administration and the Department of Labor, both federal government organizations that qualify my Direct Loans for forgiveness. In XXXX, I received a letter, dated XX/XX/2022 from MOHELA stating that " you or your employer did not answer questions 9-12 in Section 3 confirming your organization type. '' However, both my forms have checked the YES box in the above reference question number 9 which asks " is your employer a governmental organization? '' If Yes, Skip to Section 4. Therefore, questions 10-12, as well as 13, are not applicable so both my employers skipped to section 4, as the form directs, which is Employer Certification and signature. 

I have tried to call MOHELA but can not get through to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this as a formal complaint against Equifax for not investigating and removing the errors and inaccuracies from my credit report. Equifax has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Equifax and help me get these resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: GA

Complaint narrative:
I XXXX XXXX am submitting this complaint that : In accordance with the fair credit reporting act the listed account below has violated my federally protected consumer rights. XXXX account # XXXX 15USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer reporting agency if the Person knows or has reasonable cause to believe the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief