vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I booked a trip via the American Express XXXX XXXX ( Trip ID : XXXX ). One of the benefits of the program is that they will price match the lowest rate of another travel website. I found a rate that is almost {$800.00} cheaper than the one that I booked with American Express. When I go tot he website to submit my lowest rate guarantee claim, I am continue to receive errors. After being on the phone with AMEX XXXX for over an hour last night I was told someone would contact me today about it. When I received a call this morning from a supervisor they stated that there is nothing that they can do unless I submit the form online. Multiple days have now passed and the form continues to error out online and there is no possible way to submit the form. This is verging on fraud and without a resolution I will be asking my state 's Attorney General to begin a criminal investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-04-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
PHEAA is the holder of some of my student loans. The loan is in default, and I contacted them to try and enter into a repayment plan. 

They informed me that they could not talk with me about a repayment plan because there was a hold due to a Defense to repayment claim. PHEAA informed me that I would have to have that claim removed through the department of education. 

When I contacted the department of education, they informed me that even if there was a defense of repayment case open, that would not stop PHEAA from working out a repayment plan. Department of Education had me contact the XXXX XXXX XXXX. The XXXX informed me that there was no open case with them. 

I contacted PHEAA with that information, and they said they could do nothing to set up a payment plan till the hold was released ( there is no hold ). 

All I want to do is set up a repayment plan to get my student loan out of default, and PHEAA will not allow that to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I was encouraged by XXXX XXXX XXXX to come out for a trip to XXXX for a discounted price of {$110.00}. What I did not know is that this was an attempt to sign me up for a timeshare. A timeshare that I was told I would be able to travel anywhere in the world with my family. However, after receiving the timeshare and beginning to pay for it. When I went to setup my first trip I was told I was not allowed to to my preferred destination at all and when I asked when it would be available I was told that they did not know ( this destination was presented to me in my XXXX information and pitched to me by their sales team ). I then paid over {$1000.00} to sign up for the program and then agreed to what I thought was at anytime I chose timeshare ( this was not the case ). I then fell behind on payments which has caused me stress and anguish due to my circumstances at the time and was not given an opt out option. I have already paid a few thousand dollars into a program I was not able to use once, even when I tried. I also do not have the ability to use the timeshare for the entire year of XXXX at all but am still asked to pay HOA fees, late fees, and a monthly fee of {$240.00} where only about XXXX XXXXa month is going to my actual loan. The interest I am paying was not based on credit just a predatory lender that took advantage of a great customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company has violated my rights. 
MIDLAND CREDIT XXXX Account # XXXX 15 U.S. Code 1692g Failure to VALIDATE debt. 
15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C 1681 section 602 A. states I have the right of privacy.

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

15 U.S.C 1692 ( B ) ( 2 ) not state that such consumer owes any debt ; 15 U.S.C 1692 ( B ) ( 4 ) not communicate by post card.

15 U.S.C 1692 ( B ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/2022 : Refinanced car loan with XXXX. 
XX/XX/2022 : Received letter from XXXX XXXX XXXX stating the title had not been received from previous lender ( Truist/Suntrust ). 
Attempted to telephone Truist/Suntrust . Could not reach a representative after an hour on the phone.

Attempted to log into my Suntrust account to use chat feature. Could not log into account. 
Attempted to establish a Truist account. Could not establish an account.

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 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2019

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 2022-04-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a line of credit with Capital One, which recently shifted from interest only to principal and interest. This change created a financial hardship which was communicated, as I could only afford to continue interest only payments. While I continued to make interest only payments, Capital One discovered that I was connected to my employer 's investment account as a signer. 

Funds from this organization, ( XXXX XXXX XXXX ) were drafted on XX/XX/2022 in the amount of {$2100.00} and on XX/XX/2022 in the amount of {$2000.00} for a total of {$4200.00}. 

I was notified by the accountant of XXXX XXXX XXXX that a " right to offset '' charge was noted on bank statements. Upon further research it was determined that these funds belonging to XXXX XXXX XXXX had been seized to satisfy my personal debt. 

The inappropriate handing of this matter has exposed my personal business to an employer that has entrusted be with fiduciary responsibility, caused great embarrassment, and is creating an adverse situation regarding my position. 

Furthermore, XXXX XXXX XXXX is a non-profit, XXXX ( c ) XXXX corporation organized in the State of Louisiana and I am not an owner, director or stock owner in this corporation nor is XXXX XXXX XXXX responsible or obligated for any of my personal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX  XXXX/XXXX  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 also states a consumer reporting agency can not furnish an 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 2022-04-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX 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 also states a consumer reporting agency can not furnish an 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 2022-04-28 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: PA

Complaint narrative:
I am not comfortable seeing all of these unauthorized inquiries on my credit report. I didn't do any of these. What happened is that recently I received a copy of my credit report and I was surprise of how many inquiries that is on my file. I immediately sent a letter to the respective agencies XX/XX/2022 but up until today ( XX/XX/2022 ) I haven't receive any response from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchant Credit Guide continues to harrass my family by phone. 
We have asked them to stop but they refuse.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
On my report there are addresses, accounts, and social security numbers that do not belong 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 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
AD ASTRA RECOVERY claims I owe a debt and this is false, I have no open account with the company. AD ASTRA RECOVERY claims they sent me a " validation letter '' and this is false because I did not receive it and they did not provide the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act the following accounts have violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX 15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 non-monetary relief
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am not comfortable seeing all of these unauthorized inquiries on my credit report. I didn't do any of these. What happened is that recently I received a copy of my credit report and I was surprise of how many inquiries that is on my file. I immediately sent a letter to the respective agencies XX/XX/2022 but up until today ( XX/XX/2022 ) I haven't receive any response from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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: Aargon Agency, Inc.
State: GA

Complaint narrative:
On my report there are addresses, accounts, and social security numbers that do not belong 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
In acordance with the Fair Credit reporting act convergent account XXXX XXXX account number : XXXX has violated my rights. This loan was paid in full by the coverage and purchase by another lender. They dont have the right to still reporting this account anymore. In addition to that they have a remark in each credit reporting agency as " paid in full and purchase by another lender ''. Also the debt was paid in full to the next company that purchased the loan. I have tried many times to contact this company XXXX XXXX XXXX to get this incorrect information out of my credit reports, but It has been unsuccesfull since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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:
in accordance with the fair credit reporting 15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B a creditor may not treat a payment on a credit 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 explanation
Consumer complaint received 2022-04-28 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was selling a table on XXXX XXXX  XXXX  for {$800.00}. XXXX ( XXXX ) messaged me if it was still available, I said yes. She said can I send you the money over XXXX. I didn't have it at first but noticed it was already linked to my bank account so I thought it would be safe. Then I got emails saying in order to get the {$800.00} I would have to upgrade my account to business which meant sending {$1000.00} to XXXX XXXX ( XXXX ) I only had {$500.00} in my account and sent that at first. Then {$110.00} and then {$380.00} to equal {$1000.00} then to clear everything they needed another {$200.00} which I gave because I thought I was getting it all back. Then I stopped when they wanted another {$300.00} for FBI fines that if I didn't want to be arrested I should pay. I kept getting emails from what I thought was XXXX and from her that told the same story.

Company response to consumer: Closed with explanation