vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: IN

Complaint narrative:
Department of Education is not refunding me my XXXX payments even though I requested it as they stated on their website that I could request it. My loans were being serviced by XXXX and I had requested in the beginning of XXXX for payments made during the Covid pause be refunded. They said I would received confirmation of the request in 30 days. In the beginning of XXXX, my loans had then been transferred to Mohela for the XXXX program. I submitted a case on XXXX on XX/XX/XXXX requesting confirmation of my request. They ignored me for a month and then I asked for an update on XX/XX/XXXX ( Feedback Case # XXXX ), they closed the case not giving me an answer to my question. I then submitted another case on XX/XX/XXXX ( Feedback Case # XXXX ) asking for them to respond to my inquiry and was once again, not given an answer. I still have an open case from XX/XX/XXXX asking for an Ombudsman and a request for confirmation of the refund request ( Feedback Case # XXXX ) I followed with Mohela and they said I would get the Covid refund after my loans were closed out. I was on the Direct to Discharge list as of XX/XX/XXXX. On XXXX, my loans had been forgiven and I reached out to Mohela about the XXXX refund. They said I'd be getting {$100.00} back. I made payments on XXXX/XXXX/XXXX of {$320.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$250.00} and XX/XX/XXXX {$200.00}. This totals {$2400.00}. Now I'm being given a run around and I don't see the Department of Education actually doing anything now that my loans have been closed out. They said they escalated it to an Ombudsman but I don't have any hope of this being resolved. They ignored my request and now I feel will tell me it's too late. I did what I was supposed to do and they ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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: FL

Complaint narrative:
In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: FL

Complaint narrative:
In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open 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 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: AL

Complaint narrative:
Dear Madam or Sir, I submitted a dispute, then found out it was legitimate. So I notified them to cancel it. Just because I submitted a dispute, they restricted my account where my XXXX XXXX  get direct deposited into. 
They literally have me to where I XXXX XXXX XXXX XXXX XXXX XXXX That's against the federal law XXXX told me. They referred me to you all. 
I asked if my autopays and outstanding checks could still go through, and they said no. I have over XXXX in my accounts, but they say it can take days to take the restriction off. 
I have never in my life had a restriction because I made a dispute. Worst of all, all checks and autopays will be rejected, and both banks will charge me NSF fees. Axos for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX will charge me fees as well, because I wrote checks off axos to put money into the XXXX XXXX XXXX XXXXPlease help me? 

With Utmost Respect, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
I applied for a loan with this on XX/XX/XXXX my payment was XXXX per pay period I fell behind on payments in XXXX due to XXXX i reached out spoke to a representative made she said she would help me get back caught up so i paid what she requested and was back to my normal XXXX around XXXX i start seeing my XXXX payment then a few days later a payment for XXXX and i kept getting those double charges. I reach out and tell me I didnt authorize any of these charges where are they from im scheduled to pay XXXX i asked them was my payoff she said XXXX my contract was scheduled to end XX/XX/XXXX and i still owe XXXX on XXXX dollar loan plus im being over charged XXXX XXXX and XXXX XXXX XXXX XXXX  now I had a charge of XXXX on the XXXX and again on the XXXX now another today on the XXXX something is now right here and none of those charges i agreed to and they not even on my pay schedule these are random charges being sent to my account plus my regular payment was charged XX/XX/XXXX not sure what this company is doing but it's putting my account in a bad situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX, XXXX accordance with the fair credit reporting act 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 non-monetary relief
Consumer complaint received 2023-01-16 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In XX/XX/XXXX, the XXXX XXXX as cancelled and as replaced with a Synchrony XXXX. The {$81.00} balance I had on my XXXX XXXX should have been transferred to the new XXXX. It wasnt. 

So, via the XXXX account payment link, I paid the {$81.00} outstanding balance on XX/XX/XXXX. But it wasnt credited toward my account. It was credit toward the new account. Synchrony said theyd fix the issue. They didnt. The balance remained. 

I again paid them {$81.00} toward the XXXX account on XX/XX/XXXX. And once again, they credited the payment not to the XXXX account, but to the new card. My balance on the XXXX account remained at {$81.00}, but XXXX  promised to fix it. They didnt. 

So in XXXX I tried something different. My balance remained {$81.00}, with a minimum payment of {$29.00} due on XX/XX/XXXX. I paid {$29.00} on XX/XX/XXXX. It again was not credited toward the XXXX card, but the new card. I paid them {$29.00} again on XX/XX/XXXX. Same thing happened- it was credit toward the new card, not my XXXX balance. 

I contact Synchrony on XX/XX/XXXX and am assured I wont be marked as having a late payment. Well, its XX/XX/XXXX, and despite me paying them multiple times, more than the minimum, theyve marked me as having a late payment. They also deregistered my XXXX account. I can no longer login to see the balance ( which still stands at {$81.00} despite my many payments ), and I also cant login to even attempt to pay it off. 

The account has been closed for many months. I no longer have access to the full CC number, so I cant even attempt to reregister this account. 

I have never made a late payment on any credit card account in my life, and Im very upset by the way theyve mishandled this. If they dont correct it by XX/XX/XXXX, they will falsely report a XXXX  day late to the CRAs, unjustly impacting my credit, and this will become a FCRA violation. 

I want this issue fixed before we reach that point.

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 2023-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
They left 2 voicemails stating they had called from a debt collection agency without confirming any information of mine, which is a HIPPA violation. They also called me 2 times in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I have been trying since XXXX to register my car in the state of XXXX. In order to register my car XXXX XXXX needs to send the title to the state I am registering it in. 

On XX/XX/XXXX XXXX XXXX confirmed that they have the title. We requested for it to be mailed to the local tag agency. XXXX XXXX said it would be XXXX - XXXX business days for them to send it to my local tag agency. Numerous other calls for the title were made on XX/XX/XXXX, XXXX and XXXX, XXXX to no avail. Each date I was told it had been mailed. 

XX/XX/XXXX XXXX XXXX stated that they have not mailed the title due to an internal paperwork issue and it may be XXXX business days before it can be resolved. On XX/XX/XXXX they are now saying the paperwork issue still has not been resolved and it will take XXXX business days. 

I do not know what to do at this point. XXXX XXXXXXXX XXXX  special agent said he/she can not talk directly with their title department ; there isn't a number for a supervisor ; they have no complaint department ; and no email or fax. 

Due to the continued misdirection from XXXX XXXX I request that CFPB investigate and the title be XXXX  to the local tag office expeditiously.

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 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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 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 2023-01-16 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to any consumer reporting agency if the person knows or has 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 non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
the following are inquiries on my credit report that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
the following are inquiries on my credit report that I do not recognize and did not authorize. 

: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/2019 has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 602A 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
Consumer complaint received 2023-01-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/2019 has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 602A section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I purchased this Secure Spend prepaid Visa at my local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$500.00} to give to my son as a XXXXXXXX XXXX. The card did not activate properly with Incomm but my credit card used for the purchase was still charged the full amount. I filed a case with Incomm on XX/XX/XXXX but they have not resolved the case. My prepaid card still has not been activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I closed a CD with Ally Bank back in XXXX and I was told that they were going to wire the balance, {$12000.00} to my account at XXXX Bank. When the money never hit my account I called Ally and was told that they had actually sent a paper check and that I had to wait for it. I waited and the check never arrived. I called again in XXXX and I was told that I would have to fill out a form stating that I never received the check and get it notarized. I did that and requested once again that the money be sent directly to my account. Again, the money never arrived. I called again in XXXX and the person I spoke with was very apologetic. She said that it looked like another paper check had been sent but she could see that it was never cashed or deposited and that she was going to escalate the issue and that someone would call me back by the next day. It was three more weeks before I heard from them again. The woman I spoke with today was rude and impatient and she told me that I would need to get another form notarized to request another check. I said that this obviously isn't working and that it's ridiculous because they have my information, they have my form, and most importantly they still have my money. I asked if there was a branch or anywhere physical for me to go to get my money and I was told that they were an online bank and that my only option was to keep leaving work to get the exact same form notarized with still no indication that I would ever actually receive my money. This is a lot of money and I had been counting on it to help pay for holiday bills this year but now it is almost a year later and I still can't seem to be able to get them to send it to me.

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 2023-01-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX FCRA Violation : credit card not mine XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$100.00} FCRA Violation : collections not mine XXXX XXXX  {$230.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX {$190.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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