vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I am so XXXX mad!! " Purchased this Visa gift card for my grandson from XXXX!!! He calls me and shows me that the XXXX set of numbers on the giftcard are scratched off!! I didnt check the card because who would of thought that a brand new card out the pack you wouldnt be able to use. So i called XXXX to try and get a remedy, i mean i just purchased the card the day before, all I wanted was another gift card but because its a 3rd party giftcard, there are no refunds!! Well XXXX needs to stop selling them because it is not fair to the consumer and now i have to wait 2 or 3 weeks for another card from a company InCommPayments, that also was no help, i emailed them ( XXXX XXXX everything they asked for on XXXX XXXX  with a return email stating they received my attachments. I gave them a few days and called backed on Tuesday XXXX, and was told my case was closed and a replacement card had been requested. I just called XXXX XXXX XXXX  and have received different info all 3 times. There is never a mgr or supervisor to be transferred to. So I am putting in a complaint to the CFPB and whatever else government agency that i can because at this point i feel XXXX and InCommPayments, are the real scammers. I do not have money to give away especially since this was a gift to my grand child, so i am very pissed.!!! " PLEASE DO NOT BUY ANY OF THE VISA OR MASTERCARD GIFTCARDS FROM THE XXXX STORES. THE InCOMMPAYMENTS, company is using XXXX XXXX as the company on the back of the giftcards. 

I have the emails and the attachments for this case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I just got my report and I think it's wrong! 
I was told that I have the right to have an investigation carried out. Credit reporting laws ensure that agencies report only 100 % accurate credit information. must be taken every step to ensure that the information reported is completely accurate and correct. Therefore, it is necessary to re-investigate the following information. Please. make sure everything on my credit report is correct and accurate, as these unknown negative accounts are not reported to me by other credit bureaus like XXXX and XXXX and therefore should be removed from my credit report. 

I have also already made a report with the CFPB Agency demanding that they verify these amounts and remove them from my credit history. 

I demand that these accounts be removed immediately or I will request ligation due to the stress it caused me. My information was also affected by the XXXX data breach and may have fallen into the hands of the wrong person, make sure that all the disputed elements below have my legitimate signature, my documents verified and authenticated with my perfect signature. 

below are the accounts you should delete. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely. 

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 2023-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
On XXXX XXXX XXXX and her husband applied for a mortgage loan through quicken loans. The application was signed delivered and received and approved. 
On XX/XX/XXXX th, 2018 XXXX husband suddenly unexpectedly passed away from a massive XXXX XXXX. 
Due to this unseen circumstance XXXX suffered much damage, loss, injury and destruction. 
Upon recovering XXXX was able to pick back up and move forward in her life. 
The loan they received was in the amount of {$71000.00} plus interest and borrowers did promise to pay this debt in regular periodic payments and to pay the debt in full not later than XX/XX/2048 according to the prepared Mortgage XXXX FHA case no. XXXX prepared by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the actual preparer is XXXX XXXX. Upon reading this document The Office of The XXXX, XXXX noticed that it clearly states that XXXX is the mortgagor which is defined as XXXX. XXXX that mortgages property, usually the nominal owner entitled to use of the property. 
XXXX. Alternative spelling of mortgager. 
XXXX. The person who gives a mortgage in return for money to be repaid. 
The XXXX XXXX XXXX of the XXXX Upon this discovery of this lack of full disclosure we have found a tremendous amount of defects which is standing grounds for XXXX the donor/beneficiary to receive remedy and recoupment and tender back immediately of all that was offered and received by all interested parties in this mortgage loan. 
I will list a few of the defects in the title : - the title was vested other than as stated in schedule A - documents affecting title not properly created, executed, witnessed, sealed, acknowledged, notarized or delivered. 
- forgery, fraud, impersonation - violation of enforcement which restricted the occupancy, use and enjoyment of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have attempted to make two different payments on my student loans. One on XX/XX/2023 for the value of {$6000.00} and the payment was reversed after a week. It was originally posted to the account and then returned. The same thing happened on XX/XX/2023 when I attempted to make another payment on my loans for the value of {$13000.00}. My account number and routing number of my bank is correct. My loan servicer is Aidvantage. I sent them a request to fix the problem but I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : Urgent : Addressing FCRA Violations in My Credit Report Dear Transunion, I am writing with urgency to address crucial discrepancies identified in my credit report, which starkly contravene the guidelines established in the Fair Credit Reporting Act ( FCRA ). Upon careful review, it has become evident that several errors persist within my credit profile, indicating a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute that governs the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of consumer credit data, ensuring transparent information sharing with consumers. 

Identified instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for dispute handling. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if my file 's information has been used against me in credit applications or other transactions. 
The ability to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undoubtedly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, originating from errors within your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX, NY XX/XX/XXXX- This address is not correct. Delete it immediately from my report. 


I expect prompt action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are honored. 

Sincerely, 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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I asked Capital One weeks ago before i filed this complain, to refund me 4 charges related to fraudulent transactions made by two different merchants in XXXX, XXXX where i am at the moment staying due to Business, Merchants are Jumbo Supermarkets and XXXXXXXX XXXX XXXX  as they charged my debit card, later told me card was not read and i had to pay cash at their stores, later finding out the charges were made, i even provided CapitalOne with the requested receipts and additional documentation that proves that even the receipts show Payment made in cash yet CapitalOne comes in a phone call i made to them yesterday XXXX XXXX, 2023, ( because i did not heard from them even on an email or anything since i placed this charge disputes ), with a bunch of excuses and lies of information that was not provided to me by them, saying they wont issue a refund because I Paid in cash, also the Representative who took my call, tells me in a very unprofessional attitude and tone to better take my Money to XXXX XXXX or other XXXX if they refunded me in the past for fraudulent charges, as answer because i told him before how irresponsible CapitalOne is with clients that keep their business moving, ended the call refusing to refund me this unfair and fraudulent charges, as its my right as customer not having to pay double for products and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Dispute Department Equifax Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Enclosed : Identity Theft Affidavit Notice to Furnishers FRAUDULENT INQUIRIES : 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 2023-12-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have 5 Visa gift cards issued by US Bank that were purchased from Kroger that are now almost impossible to use. Transactions are declined at normal stores like XXXX and Kroger. This was not the case in the past. They seem to have added rules about how the cards can be spent that are not disclosed, and which may have been designed to increase the likelihood that the funds are never spent at all. Additionally, the XXXX  website does not work, so I can not register the cards to be used online. It accepts my input of card number and security code, but then does not load a page for the card 's information. This may also have been by design to limit use of the card. 

These cards are so problematic, they have been completely removed from store shelves in my area and are no longer for sale. 

The purchase restrictions may not be compliant with the CARD Act.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is not reporting my credit score at all. That is inaccurate reporting. I have had a score for decades and now they are reporting my score as a negative nothing. That is inaccurate reporting and a violation of my consumer rights. This non reporting is creating a negative impact on my life. I need this score reinserted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with TransUnion. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent this letter to LVNV FUNDING LLC They are in violation of 15 USC 6802-6805 and the Privacy Act of 1974. 
It is also inaccurate because it's showing having different remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My paypal account is stollen from some one else. He stole my account and transferred {$1000.00} XXXX to himself. 

I asked paypal to fully review the case and refund the money back to me. Paypal failed to do so. It concluded within 5 minute that there were no unauthorized transactions and the case was closed within 5 minute. 

Clearly, a person who stole my password and username logging into my paypal from ANOTHER location without VERIFICATION could SUCCESSFULLY transfer money to himself. 

I now stop using paypal and encourage everyone else to stop using paypal too. Because paypal is fully INSECURE and filled with SCAMS/FRAUD/HACKERS. Paypal employees also fail to address these issue and make their work a lot easier by CLOSING THE CASE WITHIN 5 MINUTE WITHOUT A REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
They are claiming that I've went to the hospital on dates that are not right. Ive asked for them to send proof from the original person the debt was owed to and all they sent me was a statement of what was owed. The company has repeatedly reposted the same debt on ti my credit continously driving my score down and preventing me being able to use my credit.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to view my credit reports via XXXX and could not because Trans Union is blocking the account. I received no information from Trans Union for the reason.

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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
XXXX  continues to update my credit report with false information. I have not had XXXX service and I am receiving a bill for over {$2200.00}. Now, it has moved to collections and I have attempted to communicate with the collection company as well as 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 2023-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Calling multiple times a day every day regarding a late paymentcalling multiple times a day every day regarding a late payment. 
One Main Financial mentor Branch has exceeded the number of allowed calls a company should be making to a person. 
On XX/XX/XXXX between the hours of XXXX and XXXX there were four calls made two within the same hour

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: WA

Complaint narrative:
I have been using tap tap send which is an international money transfer agency for several years now. Recently, I suspended my account and after I followed up for a couple of days, they said that they have permanently suspended the account. I tried to enquiry the reason this but they declined. I feel this is not fair at all because I also have my rights as a consumer. I also have the right to know the reasons for it's suspension.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account is reporting as a collection on my report despite not having any historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, am requesting that Experian follow suit and update the account XXXX XXXX to paid as agreed, never late. XXXX has since removed the account due to inaccurate reporting and XXXX is reporting the account as paid as agreed, never late. Why is Experian reporting that I was late in XX/XX/2020 and XX/XX/2020 when my payments were deferred due to covid. Lastly, you are in violation of the FCRA for reporting inaccurate information. I am demanding that you remove the late payments reporting in XX/XX/2020, and XX/XX/2020, or I will sue your company for defamation of character. Please see the attached credit report and correct your erroneous errors.

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 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One XXXX card has a rewards program that allows transfers out called " convert rewards ''. When I try to do this, there system does not allow transfers out to any of their partners. This functionality is core to the benefits of this card, and no where in the terms of the contract does it state that this should be limited in any way. Capital One is not fulfilling its end of the contract I entered in to with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are inaccuracies in my credit report, such as incorrect employers. It's essential to swiftly correct this fraudulent information. Having experienced such issues before, I am diligently working to ensure the accuracy of my reported data. Despite my persistent efforts, I have not received a satisfactory response from the responsible organizations responsible for providing accurate and lawful information. Consequently, I am reaching out for assistance from a higher authority. Your prompt attention to this matter is highly appreciated.

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