vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Collectors International, Inc.
State: AZ

Complaint narrative:
From the start Debt Collectors International has been a nightmare to work with. The day they began collection, they called my uncle and harassed him about this debt he has NOTHING to do with including providing information to him about the debt. This is a personal business debt for my small business that he is not associated with in any way, and how they even got his contact information is beyond me. 

Now that I have entered a payment plan with them, they consistently email me prior to my payment being due, threatening to sue me and damage my credit. This is harassment, and predatory, and the pattern clearly shows that this is their intent. Below I have inserted the latest message I received at XXXX XXXX  local time on the DAY MY PAYMENT WAS DUE the first Friday of XXXX. The previous month 's payment was also made without issue, yet I still received a similar threatening email. The typos suggest that not only is the company using predatory tactics but they can't take the 20 seconds to use a spell/grammar check before moving on to their next victim. 

" You have chosen to ignore our attempts to resolve the outstanding debt XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX owes to our client, despite our efforts to do so in an amicable manner. There is presently due and owing to our client a balance of {$2000.00}. Unless we receive your payment in this amount within 4 days from the date of this letter, adverse collection activity will be ordered on this account. This may include a derogatory filing on your business credit record, notification of credit reporting and rating agencies, and commencement of litigation in court that can increase the amount you owe by additional litigation expenses. 

To protect your company credit rating and prevent the additional expense of litigation, immediately make your payment at the link below : XXXX XXXX XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent request over and over and sent letters to TransUnion, XXXX and XXXX, for them to update my information correctly because they have old information online consumer report numbers that I can no longer be reached at and addresses that are not mine as well as phone numbers that are not mine and I asked them over and over to update my information correctly on my consumer report and they have failed to do so.

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 2023-06-22 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hey i recently sent in a lot of letters starting all the way back from XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX and im still in the process of getting all of the negative items off my credit report. The credit bureaus keep sending me " stall letters '' in the mail and " verification '' letters and i recently sent them a " method of verification '' letter in the mail and a " failure to respond '' letter also in the mail since they didnt respond to the letters i sent all the way back in XX/XX/XXXX, so i dont know what to do at this poin. I would really appreciate your help at this point. Thankyou for your time and have a wonderful day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TX

Complaint narrative:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX  ( XXXX XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TX

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.

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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Greenberg, Grant & Richards Inc.
State: MD

Complaint narrative:
I am writing to you regarding your debt collection practices towards me. I have become aware that you are an unlicensed debt collector in the state of Maryland, and this is a violation of the law. As a consumer, I have the right to be protected from unlicensed and illegal debt collection practices. 

Furthermore, I have previously sent you a cease and desist letter, and yet you have continued to contact me. This is a violation of federal law, as well as the laws of the state of Maryland. I demand that you cease all communication with me immediately, as I have the right to request that you do so. 

Your attempts to collect a debt from me have also been harassing and threatening in nature. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in such behavior. Your repeated phone calls and letters, threatening to take me to court, are causing me XXXX XXXX and XXXX 

I demand that you stop all forms of harassment towards me and that you cease all communication with me immediately. Failure to do so will result in legal action against your company. 

In conclusion, I would like to inform you that your debt collection practices are illegal and unacceptable. I demand that you immediately cease all communication with me and stop any further attempts to collect a debt from me. I will not hesitate to take legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IA

Complaint narrative:
My current loan servicer is Mohela. I have communicated through messages on the Mohela website as well as called their toll free number to determine why my monthly loan repayments are shown at {$820.00} but no representative at Mohela has been able to sufficiently answer my question. My Mohela account shows that my current principal is {$54000.00} with {$0.00} current interest and with a 5.31 % fixed interest rate and repayment remaining over 105 months. I am being told I owe {$820.00} monthly when my payment plan begins XX/XX/2023. This calculation would reflect the correct amount IF based on my original principal of {$70000.00}. My monthly repayment should resume at {$640.00} through my current loan repayment terms. Mohela is resetting my loan payment modifying only the number of payments and not the principal, as such they are charging me approximately an additional {$4000.00} over the life of the loan. They are likely doing this to many other consumers as well. As shown through the Department of Education 's loan webpage at studentaid.gov, " Your loan servicer would base your new payment amount on : 1 ) your current balance of principal and interest and 2 ) your remaining repayment period. 

Direct link below : https : //studentaid.gov/announcements-events/covid-19 Please see the amortization schedule attached for further details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Purchased product from XXXX with Venmo debit XXXX on XX/XX/23 XXXX charges.. {$360.00}, {$63.00}. 
Did not receive any shipping info on order, XXXX was not cooperative in communication so informed them i would be contacting Venmo about fraud claim as I suspected fraud. Venmo opened 2 claims on XX/XX/23. The account resolution dept stated they offer vendor 50 days to respond. I tried contacting XXXX directly stating they shipped me product i asked them to cancel and i returned it to so why wont they issue credit? They told me they couldnt assist me and to go to Venmo. After following up with Venmo they are stating they need another 50 days to investigate the {$63.00} dollar claim and 2 more days on the {$360.00} claim. I asked to speak to account resolution dept @ Venmo they will not speak to me directly. I receive emails that appear to be bot generated aaking for survey responce. I asked to speak with their legal team and again no cooperation. I told Venmo I wished to close my account and again no cooperation due to open claims. Both XXXX and Venmo refuse to return/ credit me for the merchandise purchased. I bank with XXXX which is linked to this account. They resolve things fairly efficiently. I have never seem such reteric and incompetence from Venmo and XXXX. 
XXXX help me resolve thia issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX  XXXX report not showing XX/XX/2023 and XX/XX/2023. I have asked them to updated and report the proper information as this could hurt my scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: TX

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. 

The letters are stated with items and issues. 

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a Southwest Airlines Rapid Rewards credit card through Chase Bank. The " XXXX '' credit card that I have through Chase for Southwest Airlines gives me certain benefits every year. One of those benefits is four upgraded boardings. The way this works is that I purchase an upgraded boarding on the day of my flight and Chase immediately refunds the money I paid for the upgraded boarding ( the average upgraded boarding costs {$60.00} ). On XX/XX/ my flight from XXXX to XXXX was canceled by Southwest. I had purchased an upgraded boarding for that flight. Per Southwest Airlines policy, the upgraded boardings do not transfer if a flight is canceled. However, while I received my {$60.00} refund from Chase, Chase did not return the upgraded boarding itself. In my Chase Rapid Rewards account it is showing that I used the upgraded boarding on XX/XX/XXXX, when in fact I did not fly at all that day. I have spent the last four months calling Chase and Southwest multiple times to try and get help to reset the upgraded boarding tracking. Chase is unwilling to give me my upgraded boarding credit back, even though that is part of the contract of the Rapid Rewards credit card. I use all four of my upgraded boarding credits every year, so Chase is taking away one of those that I would have used. I pay a higher membership fee for the XXXX card from Chase to get this benefit. They have made no attempts to make it right in any way, and in fact, I get the run-around from Chase. They tell me it's not their issue, but Southwest Airlines. However, Southwest Airlines does not track the usage of the upgraded boardings, only Chase. I have escalated this matter and still no one even attempts to reverse the upgraded boarding credit in my account. Chase is telling me that since I got my money back, they won't do anything else. However, the four upgraded boardings is part of the agreement/contract with Chase for the use of this card, so Chase is violating its contract with me by not returning the upgraded boarding. 

Right now my Chase Rapid Rewards account shows that I have used two of my four upgraded boardings for the year. However, I have only used one of those two, since Chase is refusing to credit back the one for the flight that was canceled. 

I would appreciate any assistance in trying to make this right. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Lendmark financial keeps sending me promotional ads for loans after I told them to stop doing so and to stop contacting me. I currently have a loan with them, a personal loan. they would send me promotional ads for loans in the past as well. i reported them to the nc doj recently and they were told not to contact me. they also reported duplicate accounts on the credit report. i got a promotional ad for a personal loan today in my email. they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE FILED A XXXX XXXX  BANKRUPTCY AND HAS BEEN DISCHARGED, ALSO FILED A TOTAL DISABILITY CLAIM AND HAS BEEN ACCEPTED AND APPROVED. I HAVED SUPPLIED ALL THE DOCUMENTS TO SUPPORT MY INFORMATION, THEREFORE THERE SHOULD NOT BE A BALANCE ON MY REPORT. I ALSO ATTENDED THE UNIVERSITY 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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express was advertising a 0 % introductory rate for 15 months for their Cash Magnet card at the time of my application ( XXXXXXXX XXXX 2022 ). This promotional offer is still active and a screenshot from their website advertising it is attached. I decided to apply for this card in part due to their promotional offer despite many other cards through other financial institutions having similar offers. I began noticing that there were interest charges being charged on the account and I reached out to American Express to get answers. I called and was told that this issue " will be looked into '' and to wait 2-3 weeks and someone from American Express will reach out to me. After about a month of not hearing anything I call again and am told again " we will look into it ''. All the while interest is accruing. I have been charged a total of {$1100.00} in interest charges since opening this account in XXXXXXXX XXXX  2022 on a " 0 % intro APR on purchases and balance transfers for 15 months '' promotional offer.

Company response to consumer: Closed with explanation