vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received two American Express gift cards from my boss as part of a XXXX bonus. One is for {$1000.00} and one is for {$500.00}. They are e- gift cards sent to me by email. I do not have physical cards, just the card numbers. 

Ive tried using these gift cards on numerous online shopping sites and they will not work. All websites say the address needs to be updated or a zip code is required. When I spoke with customer service, they said there is nothing wrong with the cards. They active and ready to use. They said an address can not be associated with a gift card. However all major realtors require an address when using a credit card online. They also suggested trying to use it with another merchant. When I explained Ive tried it at numerous online stores they said there is nothing wrong with the card and theres nothing they can do. 

Ive tried using the cards online at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to name a few. The only place Ive been able to use it was at the XXXX airport to buy a meal after uploading it to my XXXX XXXX. It does not work using XXXX XXXX for any of the merchants I listed above. 

After running into this problem, I did some research online and found many people had the same problem. Reviewers say the cards are basically useless at all major merchants. Im unsure how Im supposed to be able to use these cards if the companies I listed above wont allow them. The cards are advertised as being able to use them anywhere that Amex is accepted. However that is clearly not true and I dont think my company would have bought them had they known they can only be used randomly at airports for coffee. 

I hold several Amex personal credit cards and still they will not help me. Id just like to be able to use these cards and the balance that is still on them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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: EdFinancial Services
State: TX

Complaint narrative:
Ive been dealing with this issue for almost a year now and Ive been given the run around the entire time. Ive sent four different applications for fraud and identity theft XXXX. I have also sent multiple times proof of residency and my SS #, Drivers license, police report, renters insurance, ledger etc. Nothing has been done, just continually denied. I called a week ago and was told it was in discharge, then I called today and was told it was denied. The lady had an attitude for no reason, so I decided to call back so I could speak to someone else and then was told its in a review then moments later in denied and then she sat in silence when I cried asking what else is it did they need because I depressed because of this. I requested to speak to a supervisor and was told they would have to put in a request for that. Huh? Someone called me back and had the nastiest attitude towards me. She honestly sounded as if she wasn't concerned with helping me. The next step is to try and find a way to get an attorney to help me with all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: MOHELA
State: DC

Complaint narrative:
In XX/XX/2023, I received an email from Mohela stating I was placed on an administrative forbearance ending on XX/XX/2023. That same communication confirmed that the month of XXXX would still be counted towards PSLF. 

Since that time, the month of XXXX has been marked as ineligible on my PSLF tracker. I contacted Mohela to correct this in mid XXXX. Despite the representative looking at every available option, she was instructed that there was no manual override option, or place for her to submit my request, despite agreeing that XXXX should have been marked as eligible. I was instructed that I needed to wait for the company to correct this en masse. 

There is no time frame for this supposed correction to occur, and in the meantime, I have now made 120 payments and am ready to finalize my application for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After filing a complaint with the consumer protection division, Citibank has decided to add a disputed hit to my credit profile with their account that is paid off as agreed. I did not dispute this account rather the way my account was closed against the fcra was disputed and has resulted in retaliation by Citibank

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 2024-01-29 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: NV

Complaint narrative:
I have called multiple times to get these hard inquires remove as I do not recognize them and its fraudulent. The accounts are as follows, 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 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 2024-01-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Late Payment ( s ) I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave EXPERIAN, XXXX and XXXX any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

EXPERIAN, XXXX and XXXX should be ashamed for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED : XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, nor XXXX on this account please update the account as Paid/Current. 

XXXX, Account Number : XXXX I was never late on XXXX on this account please update the account as Paid/Current. 

XXXX XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, XXXX, nor XX/XX/year> on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserve

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-01-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is information on my consumer report, that is considered identity theft. I am requesting that this information is blocked and deleted immediately. My request to block this information is not being made in error ; nor is my request to block being made invasive of a material misrepenstation of fact by me relevant to the request to block the identified transactions. 

The identified transactions are not information related to any transactions by me as the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: LA

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.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I disputed this case XXXX. The company took it off my credit and it was fine. This past week they have now added it back onto my credit with a different amount as owed. I have had no new reason for anything to be added to all of my credit and this is the same company and they will not even give me a case number or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TN

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
The company is my mortgage loan servicer called SNS SERVICING. they took over 2 years now, I started to notice my mortgage payments are not reported to all 3 credit bureaus. I started to requested for them to report it, they're stating they do not report unless borrower request for it. I requested on XXXX, XXXX and it is now XX/XX/XXXX nothing is reported. I have communicated with the manager XXXX XXXX from the company numerous time over the phone and emails. She's stating everything is current. which is not true, still nothing showing on my credit. She then requested me to go to XXXX website to file a complaint to 3 credit bureaus. the website allows servicer to report and not borrower. I calXXXX XXXX helpdesk and they advised same, they told me it's not for borrower and servicer responsibility to file a complaint. I have forwarded this information to XXXX XXXX and she still insist that I file a complaint with XXXX. the company is SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX  CONTACT : XXXX XXXX PHONE : XXXX EMAIL : XXXX LOAN # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I received a voicemail from Credit Central - XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX. A lady called looking for XXXX XXXX regarding a loan she received. XXXX XXXX used my name as a contact for this loan ( recently learned there are others loans where she is using me as a contact ) and they like Credit Central Never called to confirm consent from me to be used as a contact on this loan. I have a mortgage loan origination license, insurance adjuster license and a non-profit organization which is why I would not sign on behalf of another persons loan ( even as a contact ). I have been trying to contact Credit Central, left voicemails and no call back as of to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am wanting these inquiries to be deleted because I didn't authorize these companies to run 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 2024-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
Between XXXX and XXXX I rented a room. I then moved from the address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX. A couple of years after I got a call from a collection agency called TransWorld Services stating I had a collection for a XXXX XXXX  account that I never opened. I was informed that the account closed on XX/XX/XXXX. I tried to explain to the collector it was not my account that I had moved out months earlier and that someone in the house where I rented a room, might have opened the account under my name since I had not lived at that address for over one year, and had received calls from other collection agencies claiming that I had balances owing. Even after disputing the account Transworld would not remove it from my credit. I ended up paying for a service that I never opened. I am requesting your assistance to have this negative reporting be removed from my credit since it is not accurate reporting as it has been stated to Transworld for years.

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 2024-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Me and my wife ask Wells Fargo to investigate about fraud and discrimination, bias and prejudice. Been done to us by Well fargos bank employees. Every time my wife gift them the information not need to be investigated over the phone he switched up awards and do not put all the information and questions need to be addressed so me and my wife decided to put it in writing and send it to Well fargo buy priority, mail signature required they get it and said pages are missing. So we had to fax the pages that they lie and said its missing. The reason we withdraw case number XXXX is because every time we sent updated information to add to the case XXXX XXXX keeps on opening new cases we only have one case. She said to my wife XXXX every time I sent additional information for the case she have to open a new case she is the fifth person I am speaking about the case and everyone is Twisting our words over the phone and putting what they want. This new case have all the information and questions Wells Fargo need to answer.

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 2024-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XX/XX/ & XXXX was taken from my account ending in XXXX for a yearly change for my safety deposit box, which I had for years without any change. I never agreed, in anyway, to such a charge. When I complained, they said there was a notice in one of the papers sent to me that I would be charged {$45.00} a year. That was not done in a noticeable way, and I never remember seeing it anywhere. They never asked me to agree and this is just like saying, were taking your money, without asking for agreeing to it. Thats just a crime of theft that I can not justify. The {$45.00} a year is not the problem as much as loosen trust in a bank transactions to handle my money. Small crimes can lead to big crimes. I want to be able to deal with the bank that I can trust. I want them to return the {$45.00} not because of the value of the money but because of the value of trust. It seems basic to me that you dont have to allow them to do whatever they feel like doing with your money. I want more security. 
Respectfully yours, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I REQUESTED A CXREDIT INCREASE ON A SYNCHRONY BAND CREDIT FOR XXXXXXXX XXXX. WHEN I REQUESTED THIS I WAS DENIED BUT THEN I LOOKED AT MY ACCOUNT COME TO FIND OUT I HAD A XXXX LINE OF CREDIT AND THEY REDUCED THAT DOWN TO XXXX MY CREDIT SCORE WAS MID XXXX NOW ITS MID XXXX BECAUSE IT DROPPED OVER XXXX POINTS BECAUSE OF THIS. I HAVE NEVER BEEN LATE WITH MY PAYMENTS, NEVER MISSED A PAYMENT NOTHING I EVEN PAY MORE THAN THE MINIMUM PAYMENT. I CALLED THE COMAPNY ALL I GOT WAS EXCUSES. I FEEL I TREATED VERY UNFAIRLY AND SOMETHING NEEDS TO BE DONE ABOUT THIS.

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