vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried many times with Experian fix an incorrect address appear on my credit report, i NEVER live on XXXX XXXX XXXX XXXXXXXX Fl XXXX and never works for XXXX XXXX XXXX that info is not correct, My address for more that 15 years is XXXX XXXX XXXX XXXXXXXX Fl XXXX and my 17 years employer is 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 2022-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCOUNT # XXXX XXXX # XXXX I was in a collision very shortly after leasing the XXXX XXXX, which was ruled a total loss. My auto insurance carrier XXXX, sent paymentXXXX for {$28000.00}, and there was still a balance of approx. $ XXXX that the GAP coverage was supposed to cover. 
I called XXXX over a dozen times and was told by every single representative that I do not have to make payments even though your website was still indicating that I had payments due, late, upcoming, etc. The XXXX XXXX XXXX would continuously tell me they were waiting for my GAP coverage payment to be sent from the dealership then I finally got the dealership to help me and they determined that was incorrect because it was a lease that the GAP coverage was to come from the leasing company. 
All I know is I was told on every phone call that should be recorded not required to make payments other than my {$500.00} insurance deductible, which I did. Today my XXXX XXXX dropped XXXX points in one day because the credit bureaus were reported to by XXXX that I am late payments. The credit and payment were all supposed to be " Suppressed '' as per XXXX XXXX XXXX. 
PLEASE IMMEDIATELY FIX THIS! I DO NOT OWE XXXX ANY MORE MONEY, AND ALSO MY CREDIT MUST BE UPDATED AND FIXED SO THAT IT REFLECTS I HAVE NEVER MISSED A PAYMENT. ALSO, CLOSE THIS ACCOUNT PERMANENTLY, FINALLY. My credit is very important at this very moment for my student loans are contingent upon them right now.

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 2022-10-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX was place an on my credit report without my consent. 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One charged {$200.00} to my account and I tried contacting them and I also tried contacting my bank for more information on where this transaction came from. 

Please help resolve this. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
someone hack my checking account and transfer money by XXXX and also requested a balance transfer and did online shopping. Even my phone number, Driving license, and email address hack. I try to contact the bank and they are investigating all my case files and changing my account and debit card but still, I am in danger of an information hack. I like help from you guys to avoid hacking my information further.

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 2022-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
XXXX XXXX XXXX Shouldnt I be allowed to enter the contest without opening a Venmo account? I thought every contest needs that alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express Platinum totally messed up my account. They charge a {$690.00} Annual fee but wouldn't pro rate the refund if you want to close your account. The reason why I'm closing is because I couldn't get the services and benefits I'm suppose to get. They messed up my account so badly that I have been stressing out since XX/XX/2022. I have chatted and spoken to several customer service and each promise me different things. The Annual fee is not worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2022-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2022-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am a borrower from the XXXX student loan program that was shut down in 2010. And I have been making payments on my loan since XXXX. My loans are managed by Navient. Due to the lack of information provided at the launch of the Federal Student Debt Relief Program last XXXX, I sought out information about qualifying myself. I contacted both the Department of Education and Navient. 

At that time, I was told I had an option to consolidate to Direct Loans, but that was a high risk. I was feeling unsure about taking the risks of a higher interest rate and other long-term repercussions of that consolidation. Commercially run XXXX loans were a gray area at that time and I thought it best to await further information to make a more informed decision. Only to then receive an email on XX/XX/XXXX that I missed a deadline that was not established until the deadline was crossed. Only those who had consolidated PRIOR to XX/XX/XXXX were going to eligible for relief and those of us with loans that are legitimately federal would be now be excluded. As if we were to predict the future. I would like to further more state that there is zero control given to the consumer regarding what entity takes on your loans. A Federal loan is still a federal loan. 

This is affecting millions of honest, hardworking Americans that have been paying off loans for decades and accruing interest from predatory banks. It is not right to exclude us from relief because who is in control of our loans. We had no say over that. And those of us who proceeded with caution are also being put out and the way we were informed was, quite frankly, a slap in the face. Having a degree in higher education should not mean you have a federal burden for most of your adult life. We contribute to society, we are parents, homeowners, and community members. Education is a right not a privilege. Granting us the freedom from loan payments would positively impact my family and millions of others. 

Please consider including the commercially owned XXXX borrowers in President BideXXXX 's plan. We have paid enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I called my student loan servicer Mohela on XXXX the XXXX to request a refund of some of the payments I had made during the pandemic. It took me over 2 hours to be connected to an agent, but I was told that I would be refunded in 30 days. I was told there was no receipt or confirmation email they could send me to confirm this request. I was one of the student loan recipients whose loans were transferred from XXXX XXXX to Mohela over one year ago, for context. On XXXX the XXXX, I called for an update to the situation as I had received no word or refund. I was connected to an agent after another 2 hours on the line and they stated that the loan would be reimbursed in 90 to 120 days from that call and that they were unable to help in any way with confirmation of this as my loans were not visible to them because I transferred from XXXX XXXX. The agent stated that they didn't have my records from the company after my account was supposed to be transferred over a year ago. I contacted XXXX XXXX on XXXX the XXXX and they stated that they no longer had my loans in their jurisdiction either. I am trying to get student loan forgiveness on what I paid and am being told that there is nothing either company can do to help 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 2022-10-15 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: GA

Complaint narrative:
on or about XX/XX/22 I disputed an inquiry from a company called " XXXX XXXX  '' ( confirmation # XXXX & XXXX ) I have not authorized this company nor do I no who they are nor did I give permission to obtain my report! 
Within less that 24 hours Equifax came back with results that Inquiries are a " Matter of Fact ''. with no further information. 
On or about XX/XX/22 AND XX/XX/22 certified letters were sent to Equifax, pursuant Federal Law, requesting who verified this account, method of contact and all relative pertaining information be sent proving this was a legitimate inquiry, Equifax has not responded. 

This information has been sent to my attorneys at XXXX and XXXX XXXX ( for reveiw for possible Federal Law violations ). 

I suggest ALL parties govern theirselvs as I move forward with these findings

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I have been having issues with my student loan servicers regarding accessibility of information, transparency, servicer transfers, and payment refunds. My student loans were serviced by XXXX up until XX/XX/XXXX, after which they were transferred to XXXX/Aidvantage XXXX I made $ XXXX in payments to XXXX during the COVID-19 forbearance period and paid the remaining $ XXXX to XXXX/Aidvantage over the next several months , still within the forbearance period. I requested a refund of these payments when the XXXX debt relief program was announced, on XX/XX/XXXX, and have been met with confusion, conflicting information, and stalling for months. It appears that XXXX XXXX has lost information regarding my payment history when they transferred my remaining balance to XXXX/Aidvantage because neither servicer can find history of it. As a result, Aidvantage is refusing refund of the first {$10000.00} of payments and delaying the {$17000.00} of payment history they do have record of. I have called XXXX and they told me it was not their responsibility and that Aidvantage has to handle the refund. I have called Aidvantage 4 times, emailed once, and mailed bank statement history of payments directly to their office. Each call is met with operator confusion and telling me that the refund is processing on time but no one can give me a completion date. Every time I call I am told that it will be done by a different date, I was first told it would be done in 6 weeks, by XX/XX/XXXX. 4 weeks after my request, I got a letter saying it was just submitted and it would be 8 weeks to receive the refund, XX/XX/XXXX. First I was told that my loan balance would be reflected in Aidvantage 's website and then XXXX, now I'm being told I will get my refund and it will not update the balance? How am I supposed to pay off the loan then? In addition to the conflicting information, both XXXX and Aidvantage 's websites restrict account access to website features once the loan balance is {$0.00}. Aidvantage prevents users from acccessing their account inbox to send messages and contact the company with questions or concerns. They then force uses to mail or fax to send documentation. XXXX is the worst offender and restricts all access to the user 's account, including any and all payment history and tax forms. The current status from Aidvantage is that the refund is processing and is currently held up with their request to XXXX for information regarding the loan payments that I made that they did not transfer and have no record of. These companies have truly mishandled my money and should be subject to punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On around XX/XX/22 a person I thought was XXXX was not she was a scammer. Took XXXX off my cash app and bought bitcoin without my permission. She was in my cash app and took the money. I am just sick about it it was my house taxes for this year. Three days later I talked to Cash App they said they would investigate but never got back to me. Just want my money since it was their app that she was in. I thought she was in my phone but I have an I phone and the phone company said she wasnt in it.But she was in app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX was place an on my credit report without my consent. 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX was place an on my credit report without my consent. 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX the retailer previously had a credit card contract with XXXX Bank. In the middle of XXXX, this contract was changed to Capitol One. 

I have not used my XXXX XXXX XXXX credit card for several months. Meaning, there was a {$0.00} balance at the time that Capitol One took possession of this credit card. 

Immediately, after taking possession of the account, Capitol One flagged my account for fraud. I did not use the card ; I was not even sent a card by the issuer. 

In my attempt to resolve this issue, Capitol One demanded a picture of my state-issued identification, a utility bill with my name and address, and a photo of my social security card. I obliged by providing my ID card and utility bill, but declined to submit my social security card photo. I find this requirement to be excessive and unusual. 

Capitol One will not remove the restrictions from account and will not communicate details around the alleged fraud with me. They will not even allow me to close the account. 

Capitol One is holding me XXXX over alleged fraud that did not take place as far as I can tell. I've never used the Capitol One card and I did not take any action following the transition to them as a bank.

Company response to consumer: Closed with non-monetary relief