vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I filed bankruptcy in 2022 this XXXX account was included we dropped off phones, XXXX etc. now they added this as a collection on my credit reports. Amsher collection services inc has never sent me any validation letter or show where i had any new account with XXXX never had a bill for XXXX theyre trying to double dip. According to code FCRA SECTION 604 and Section 609 this shouldnt be happening. This has been wrongly reported on my credit file XXXX XXXX and XXXX and XXXX reports please help Ive also had inquiries of someone fraudulently trying to get credit cards in my name, i got a police report from my car being stolen in XX/XX/year>XXXX  had to put a credit freeze on my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
In the fall of 2023 when payment where about to restarts I signed up for the SAVE plan. When I did that I did not realize that I was put into a forbearance. I contacted MOHELA in late XX/XX/ 2023 to say I did not want the forbearance and wanted to restart repayment immediately. I was told that wasn't a problem but it could take a few months for the forbearance to drop off but as long as I went online and manually made the payments they would be counted as eligible. The forbearance fell off in late XX/XX/2023 and the XXXX  2023 payment auto-debited from my account and showed as qualifying for PSLF. In XXXX or XXXX the XX/XX/2023 payment which I made switched from ineligible to eligible as it was no longer listed as being in forbearance. The XXXX payment was still listed as being in forbearance though even though I made the payment. I contacted MOHELA and was told by a representative they say the notes and it would still be taken care of but they could only change the status of XXXX payment per month and it would be resolved the following month. Currently the XX/XX/ 2023 payment is still showing as ineligible due to deferment or forbearance. I spoke with MOHELA again today and was told that even though they put the forbearance XXXX and resolved the issue for the XXXX payment they couldn't do so for the XXXX payment and the Federal Student Aid was responsible for the payment counts. I have also spoke with FSA and they say because MOHELA says they have in forebearance they can not count the payment until MOHELA says the payment period was not in forbearance. I have gotten nothing but runaround and excuses from MOHELA for months. Today I was told they could submit a form to accounting but it would be rejected. I was told I could not speak to accounting or a supervisor regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have yet to receive any response from the company regarding the allegations made against my collection methods. Please note that I am not familiar with this company, and would appreciate any communication regarding this matter. Thank you. 

CREDIT COLLECTION SERVICE Balance owed {$330.00} Balance updated XX/XX/2024 " I want the following collection to be removed from. '' XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Im an XXXX XXXX service member and received orders to Louisiana. Request SCRA Benefits under Louisiana State Law. Please note under Louisiana state law, the interest cap of 6 % applies to all credit cards and loans obtained DURING and before XXXX XXXX. I have attached my orders and Louisiana state law. 

This complaint is for XXXX separate credit card accounts. XXXX account ends in XXXX and the other ends in 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FCRA 605B tells us to fix mistakes on my credit report. Can you check the papers? Some accounts listed are wrong about how they're reported, the money they show, and the dates.

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 2024-04-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I am a victim of identity theft. I found that there are three Fraudulent Accounts that were opened under my name and my social security number. I only found out because I received bills/statements by mail. 

The first one stated it was XXXX transactions done on XX/XX/2024 in XXXX XXXX, CA and XXXX, CA with a company named XXXX XXXX XXXX in the amount of {$2300.00}. 

The second one was a transaction at XXXX XXXX on XX/XX/2024 in the amount of {$1700.00}. 

The third one was a transaction at XXXX at a XXXX XXXX store in XXXX XXXX, CA on XX/XX/2024 in the amount of {$960.00}. 

Please help 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 non-monetary relief
Consumer complaint received 2024-04-11 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: CA

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 account listed below has posted a collection account on my XXXX credit repoorts. This account never belonged to me, and can not be verified. 
Account name : 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 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 XXXX 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 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Penn Credit has been harassing me via phone and mail saying I owe a debt but have not provided any contract showing a debt is owed although I've asked several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit 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: Coinbase, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX : As of today, Coinbase Card has fraudulently withheld a credit to my account in the amount of {$520.00} for over XXXX years. Despite repeated requests to Coinbase XXXX, the status still shows " Refund Pending ''. 

XX/XX/XXXX : I made a purchase with XXXX on my Coinbase Card in the amount of {$1500.00}. 

XX/XX/XXXX : XXXX refunded {$520.00} to the same Coinbase Card after receiving my device trade-in. Coinbase Card attached a " Refund Pending '' status to this amount. 

XX/XX/XXXX : I emailed the following correspondence to Coinbase Support ( help @ coinbase.com ) : " Hello - This refund of {$520.00} from XXXX has been pending in my Coinbase account for nearly XXXX month. It has not been added to my USD wallet. 

XXXX released the refund on their end on XX/XX/XXXX. I just spoke with XXXX of your managers at Coinbase who told me that he shows that the refund finished processing on your end on XX/XX/XXXX. He gave me Coinbase XXXX # XXXX. Also, XXXX provided an Invoice # XXXX for the refund amount of {$520.00}. Please use the information provided above to track down the transaction issue and release the funds asap. 

Respectfully, I have only received canned email responses from Coinbase regarding this issue... Please reach out with any questions. '' XX/XX/XXXX : Received the following autoresponse from Coinbase Support : " Thanks for contacting Coinbase Support about Coinbase Card. 

After a merchant refunds your transaction, we'll add the refunded amount to your USD wallet in your Coinbase account. It can take up to 10 days for a merchant to process a refund, however, please be assured that once Coinbase receives your refund, it will be posted to your Coinbase Card account immediately. 

Please note that you'll lose any rewards you earned on this transaction. 

For more information, see our help article XX/XX/XXXXcoinbaseXX/XX/XXXXcoinbaseXX/XX/XXXXcoinbaseXX/XX/XXXXcoinbaseXX/XX/XXXXXX/XX/XXXX '' XX/XX/XXXX : Received the following email from Coinbase Support : " Thanks for contacting Coinbase Support.

Were working with a specialist to review the information youve provided. We will follow up with you as soon as we have an update. Thank you for your patience. '' XX/XX/XXXX : I emailed the following correspondence to Coinbase Support after no follow-up was received : " Hi - It has been over a month since I have not had rightful access to my funds. Any update on this issue? If not, please provide an estimate on when I should expect a resolution. '' As of today, Coinbase Card has fraudulently withheld a credit to my account in the amount of {$520.00} for over XXXX years. I have received no communication from Coinbase responsive to this issue since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA 605B tells us to fix mistakes on my credit report. Can you check the papers? Some accounts listed are wrong about how they're reported, the money they show, and the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-04-11 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: GA

Complaint narrative:
FCRA 605B tells us to fix mistakes on my credit report. Can you check the papers? Some accounts listed are wrong about how they're reported, the money they show, and the dates.

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 2024-04-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
FCRA 605B says we must fix wrong stuff on my credit report. Can you check? Some accounts listed are wrong in how they're reported, the money they say, and the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The late payments showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

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 2024-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: M1 Holdings Inc.
State: OR

Complaint narrative:
I had a roth ira account of {$4700.00} at M1 brokerage. I initiated a transfer to another broker beginning of XXXX. Account was transferred within five business days. However, M1 charged a {$200.00} fee to allow me to transfer this account. M1 's fees are predatory and too high for small account investors. Thankfully, that fee was reimbursed by the receiving broker because they felt it was excessive on M1 's part.

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 2024-04-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: NY

Complaint narrative:
The late payments showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

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 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Re : Dispute of Unautorized Reporting of Information, Accounts below XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Account Numbers XXXX Account NumberXXXX Dear Sir/Madam, I am writing to dispute the accuracy and validity of the information reported by your agency in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I am formally challenging the inclusion of certain information on my credit report on the grounds of lack of written consent. 

Upon reviewing my credit report, I discovered that your agency has reported information without my explicit written consent. As per the FCRA, consumer reporting agencies are required to obtain written consent before furnishing or obtaining consumer credit information. To my knowledge, I have never provided such written consent to your agency. 

Furthermore, I have not authorized any entity to furnish my information to your agency, nor have I granted permission for your agency to obtain my consumer credit information from any source. Therefore, the presence of this information on my credit report is not only inaccurate but also violates my rights under the FCRA. 

In accordance with the FCRA, I hereby request that you investigate this matter and provide documentation demonstrating that you have obtained written consent to include the disputed information on my credit report. If you are unable to provide such documentation, I request that you promptly remove the unauthorized information from my credit report. 

Please be advised that failure to comply with the FCRA and rectify this matter within the prescribed time frame may result in legal action to enforce my rights under the law. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the disputed information once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe stipulated by law.

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