vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
A number called me and left voicemails stating they were trying to contact me in regards to a parcel that could not be delivered. I called back today, XX/XX/23 and the lady states she was XXXX XXXX from XXXXXXXX XXXXs ( XXXX ) and that she was trying to contact me regarding an old payday loan with check n go. I stated that I paid off my debt in full with them and have the paid in full letter. I also stated that I contacted check n go after paying the debt collection company off and they stated I had no active accounts. XXXX XXXX told me that if I did not pay the amount today XX/XX/23 by XXXX I would get XXXX felony charges filed against me with my county. I again called check n go and spoke to their collections department who told me that it sounded like a scam and to request a debt validation letter. When calling XXXX XXXX back requesting a debt validation letter XXXX stated that it would be too late to send one and that charges would already be filed, she stated they sent one to my email and home address in the past, which I did not receive anything from them. I then knew it had to be a scam. Very scary that they had my home address, email and name and threatened to file felony charges against me and that I would have to go in front of a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WV

Complaint narrative:
I tried to use this Vanilla visa debit card that I received for my birthday several times and it didn't work. I called the company and they did nothing to help. Then I found out yesterday that it had been used at XXXX in California. I don't know anyone from California. I found out it was used when I went online to see what the balance was if any. I called customer service and several times while waiting there was no answer or just air. The lady told me I had to use a government ID to get a refund. Send recipe and a government ID!? I think this company has been hacked or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: Experian Information Solutions 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 trough the physical verification of the original signed document contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX  XXXX XXXX account : XXXX {$3100.00} comments : Not mine

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payments reporting on an account on my consumer report that are inaccurate and i would like them to be updated to current. Below that ive attached a direct email from the company of these late payments being update back in may and they are still reporting on my report.

Account Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

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 2023-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
In XXXX after graduating college, I am the process of consolidating my loans totaling approx {$160000.00} for the PSFL. At that time Fedloan guided me in the process. I also had a small parent loan approx {$1800.00}. Fedloan advices me to roll it in with the rest and assured me that it would not impact my ability to qualify for any IDR repayment plan not impact my public service loan forgiveness goal in any way. I specifically asked them and they assured me I would qualify for the repay pay as you earn IDR plan. I was placed on that plan for 1 year at which time they contacted me stating they made a mistake and I now only qualified for the ICR plan at 20 % off my income because I included a small XXXX XXXX in my consolidation. I made attempts to fix the situation and was told there was nothing I could do. I have talked to them, XXXX and the federal student aid office with no avail. Today I talked to someone at the federal student aid office who told me their understanding was that once a parent loan is consolidated it is no longer a parent loan and qualifies for all repayment plans. She stated she has been guiding people in this process for years and had no idea this was happening instead. I have filled multiple complaints and basically told too bad. I was lied to and misguided in the beginning and would absolutely never have added that small loan to my consolidation of I had known the effects. It has destroyed my life, caused severe XXXX and XXXX  and XXXX, financial stress and feeling hopeless as I will never be able to pay the loan off and the financial hardship is devastating due to their mistake and misleading information. I filed a complaint in XX/XX/XXXX and XX/XX/XXXX to the federal student aid center and was told that Fedloan did not put me on the repeat program and that I had been in the ICR the entire time which is not accurate. I know for a fact what repayment plan I was on and even they informed me of their error my payment amount tripled and my income has not changed. Im not sure what FedLoan did to make. It look like I hadnt ever been on that program but I was and I have a witness who was sitting there with me doing all of this. Please help me. This is my last resort before I file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank was notified via document upload and through registered mail delivered today to their registered agent in the state of Florida that they have 30 days to refund my money pertaining to dispute XXXX. If I'm not refunded in 30 days, small claims court and/or arbitration will be initiated. A purchase was made with my Chase credit card, and Chase denied my dispute despite never, and to this date, having received anything from the merchant, and the merchant confirming order was not fulfilled and them being unable to issue refund. This noticed is being sent to Chase as further evidence to be used in court that they were properly served and notified. And hopefully government employees monitoring bank compliance can read this and realize Chase bank is not investigating disputes correctly and shifting the responsibility to customers. This issue was also reported to the Federal Trade Commission. Furthermore, a notice was sent to Chase requesting all internal information and communication pertaining my dispute to be used in court. To any government employee monitoring this, Chase 's Executive Office doesn't do anything. They send a copy and paste answer and never address the concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-08-01 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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-01 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
on XX/XX/XXXX we disputed the following XXXX charges : XX/XX/23 XXXX XXXX {$210.00} XX/XX/23 XXXX XXXX {$320.00} XX/XX/23 XXXX XXXX {$300.00} XX/XX/23 XXXX XXXX {$110.00} XX/XX/23 XXXX XXXX {$280.00} XX/XX/23 XXXX XXXX {$210.00} XX/XX/23 XXXX XXXX {$110.00} XX/XX/23 XXXX XXXX {$130.00} Credit Card company investigated and determined the charges were valid. 
on XX/XX/XXXX and XXXX we disputed the charges again. 
Credit card company investigated and determined the charges were valid. 
We disputed again and were denied again. 
We contacted our local police department and filed a report. We faxed the police report to credit card company on XX/XX/XXXX. 
we conducted our own investigation and received receipts from the hotels and the name of the passenger. we forwarded those receipts to the detective assigned to our case. in addition, we faxed the receipts to the credit card company. The detective assigned to our case called the hotels and found out who checked in. 
I am attaching everything we received from our own investigation and what the detective discovered.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-01 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: TX

Complaint narrative:
There are late payments reporting on an account on my consumer report that are inaccurate and i would like them to be updated to current. Below that ive attached a direct email from the company of these late payments being update back in may and they are still reporting on my report. 

Account Name : 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 2023-08-01 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 2023-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: WA

Complaint narrative:
Since XX/XX/2022 we have been paying on a loan for a XXXX XXXX  trailer. Most of the payments are being applied to the interest and not the principal. I have submitted extra payment to get the principal down to reduce the amount of interest, but even that has been going toward the interest and not the principal. In XXXX month, none of the payment went to the principal, it went entirely to interest. 

Granted I agreed to a higher interest rate pending a refinance, but I figured that the interest rate would be ok but not this bad, especially with overpayments not being applied to the principal. 

Since we started the loan, XXXX opened on XXXX the current balance is XXXX so only XXXX has gone toward the principal, and over XXXX has gone toward the interest. So, they are getting their total interest on the loan upfront instead of a daily balance or other computing method. 

I believe that the action of Alliant Credit Union is hurting consumers and placing an undue burden on consumers by this type of accounting and I have never seen any financial group not apply overpayment to principal balances. 

I have sent a request to apply my over payments to the principal and notified them that all previous payments are in question and that I want a review of my account. I also believe that this type of action should be looked at to protect consumers from these types of financial groups that think they should be taking advantage of consumers in this way. I am looking at refinancing this loan as well because of the actions of XXXX and no longer wish to be associated with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT NOS. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023, I order two items on XXXX, A motor scooter for the amount of {$1000.00} and the protection XXXX for the amount of {$130.00}. 
On XX/XX/2023 I decide to cancel the order, without succeed, therefore I start a dispute thru my bank. My bank credit me the money until the dispute was resolve. 
I got in contact with XXXX and they inform me that I need to close the dispute for them to refund my money, what I did. I never receive any information or state of the dispute, but because I have the money I thou that everything was ok. 
On XX/XX/2023 I saw the withdraw of the {$1000.00} and {$130.00} from my account again, for what I got in contact with my bank, they told me XXXX was having the money, call XXXX and they say they never receive the money, after going back and forth for I don't know how many times and couple a day, the Bank told me that my debit card visa was the one holding the money, that they will release from XXXX to 45 days, they give me XXXX numbers to give to XXXX so they can ask for the payment, when I told them that XXXX already send me the confirmation of the dispute on my favor. Why they want to keep my money

Company response to consumer: Closed with explanation