vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
My account was charged after the COVID tuition pause ended on XX/XX/year>, since I had my account set up as auto-pay. My account is under deferment. I have a pending case with the XXXX XXXX XXXX that allows my account to stay in deferment. I called to get this auto-pay transaction refunded on XX/XX/year>. They told me it would take about XXXX days to get my refund. I haven't received it yet. They keep giving me an update that the refund will be processed in x amount of days. The total refund amount is {$220.00}. I had my case escalated on XXXX XXXX, XXXX, and was informed that a refund would be processed in 7 business days. I called two weeks later, they told me the refund escalation was entered incorrectly and it would be processed in 7 business days. It's been 3 weeks since that day, and still no refund. On top of that, when it comes to refunds their support line barely wants to assist me. I've had them hang up on me and put me in the queue, to wait over an hour to get anyone on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 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: WA

Complaint narrative:
Aidvantage has taken inappropriate action on my student loan account without my consent that adversely impacts my repayment status and interest rate reduction status. 

On XX/XX/XXXX Aidvantage incorrectly canceled the auto-pay on 4 of my loans ( XXXX, XXXX, XXXX, and XXXX ). As shown in the attached correspondence, customer service agent XXXX terminated the auto-pay in response to my request for help deleting an old bank account on my profile that was not enrolled in auto-pay. The agent should not have taken this action. For clarity, all of my loans have been enrolled in auto-pay using a different bank account since repayment resumed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: MD

Complaint narrative:
I recently Checked my credit report and saw accounts reporting that i do not recognize.

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 2024-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
United Wholesale Mortgage says for my payment for XX/XX/year> was late, however this is not the case due to my following explanation. For the Month of XXXX I Logged into the mobile application where I then submitted my amount due which was posted on the portal, then I later on check on the portal the following month again to pay that months ( XXXX ) payment. This is where the issue lies. It seems like after the payment was made in XXXX. Everything was fine & then they seemed to add another amount that was due within in the same month, but I was not able to see that amount because it only showed the initial amount due. & I had no reason to log into the portal again to check for another amount that was due. On top of that I didnt even get someone from the company to reach out regarding this payment, so this is as to why I had to pay that overdue amount after the fact they considered it to be late. So its not like it was my fault if they never posted the full amount due at the same time. Plus no one reached out. So they need to get this removed because the payment being late wasnt my fault and I have paid it as soon as I found out by my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$510.00} XX/XX/2022 XXXX  XXXX {$510.00} XX/XX/2022 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I am submitting to address the matter of the alleged debt associated with my items. After careful examination, I have become aware that this debt has been re-aged, a practice that is both unethical and in violation of consumer protection laws. Consequently, I demand the immediate deletion of all records pertaining to this re-aged debt. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: VA

Complaint narrative:
My company purchased a VanillaGift card from XXXX at XXXX XXXX XXXX XXXX VA XXXX on XX/XX/XXXX. The amount was for {$500.00} I was given the gift card on XX/XX/XXXX. I tried to use the card XX/XX/XXXX and it was declined. When I checked the balance, it was over-charged and full of fraudulent charges to XXXX of increasing amounts, dated XX/XX/XXXX. You can see my charge on XX/XX/XXXX was declined. 

I called the number provided on my VanillaGift card and they asked me to create a dispute ticket. The company behind the VanillaGift card is InComm, headquartered in Georgia. 

On XX/XX/XXXX, I was assigned a Case Number and they told me they were working on it. On XX/XX/XXXX, they asked for the receipt of the card purchased and a photo copy of the front and back of my card. I had to get the receipt from my company and provided this to them on XXXX/XXXX/XXXX. 

On XX/XX/XXXX, I received the email stating " Your documents have been received. Please allow up to 24 business hours for documents to be processed to your ticket. In most cases, you will hear back from us within 3-5 business days after the required documents are received. However, it can take up to 30 days. If you need updates on your ticket, please reach out to the XXXX number on your card or visit our website. This inbox is not monitored for inquires. '' I called back 5 business days later and was told " it could take up to 30 days, so give them time ''. I called back on XX/XX/XXXX ( 30 days after they received my documents ) and was told " Oh, we don't have your documents. You need to resubmit them to us so we can start ''. This was a lie since I told them I've already received the confirmation email from them that they had everything they needed. I resubmitted THE SAME documents and got the same confirmation email on XX/XX/XXXX. 

I called one last time on XX/XX/XXXX and was told " it could take up to 30 days. Give us time ''. This is not acceptable. They will just wait 30 more days and claim they never received the documents, starting the 30 day timer all over again. I've been trying to work with this company for months with no progress for something that should be open/shut. 

VanillaGift/InComm 's address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The number on the card is : XXXX My dispute/case number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased two airplane tickets to XXXX for the amount of {$2000.00}, through PayPal. PayPal offered me payments without interest ( if the amount was paid in full before XX/XX/XXXX. XXXX ). It was never mentioned, that this offer was through a third party ( Synchrony Bank ). 
From the date of purchase, I made payments over the minimum amount required and more frequently. XXXX {$65.00}, XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00}, XX/XX/XXXX {$120.00} : XX/XX/XXXX {$100.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$41.00} etc. 
All the payments are made to PayPal. Paypal did not apply the extra payments towards the airline tickets purchase, at the end of XXXX I had the same balance in my account ( XXXX and XXXX ) I called PayPal twice : PayPal answered : XXXX Nothing can be done ( I was supposed to be more specific about the amount to apply to each account which is not possible. 
XXXX Supervise : Synchrony Bank is responsible for this account. This is the phone number please call them. 
I called the bank twice 1st response nothing could be done, I requested a Supervise and she said. The only thing I can do is apply the last 2 months ' payments to your account, but the accumulated interest will be the same about {$300.00}. 
PayPal should have indicated the 3er. party it was included. 2-From the beginning PayPal should have been more specific about how to apply the payments. I am not ready to pay the interest requested.

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 monetary relief
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-20 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: PA

Complaint narrative:
i dont recognize none of the hard inquiry on my credit. i didnt authorize them ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that i dont recognize

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 2024-02-20 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
There are actually 3 companies involved. 1 ). Chase Bank Credit Card services. 2 ). XXXX ( online vendor for XXXX XXXX. 3 ). An afflilate of Chase that they only describe as a " 3rd party service provider. 

I signed up for a credit card " bonus offer '' on the Chase card website for 10 % off a purchase including groceries from XXXX for up to {$10.00} ( or a max {$100.00} purchase ). I signed up for this offer by clicking the link given. The offer showed an offer ends date of XX/XX/XXXX. 

I completed the offer on XX/XX/XXXX by charging {$91.00} on XXXX for groceries. I picked up the groceries on XX/XX/XXXX to complete ALL offer terms and deadlines set by Chase and XXXX for this offer. The charge showed up on my Chase account for several days as pending on XX/XX/XXXX. Then the charge completely dropped off my online account activity on the Chase site for a couple days as if no charge was made at all. Then a couple days later, a new charge showed up for {$91.00} on XX/XX/XXXX, even though the charge was made, and the items received on XX/XX/XXXX with no future changes planned or unplanned. 

No bonus was paid. I complained to Chase twice. In their second response, they stated that the bonus wasn't paid because of the following INCORRECT reason : " Sometimes a merchant will charge your card on a date after you make a purchase, such as shipping, delivery or installation date and as a result the purchase may not post to your account until after the end of the offer. '' I picked up ALL of this order on the deadline date of the offer and I provided them with website receipt proof. Also, nowhere in the offer terms does it say that the vendor can change the date to whatever they feel like, possibly to get out of these offer payments. The offer end date is therefore functionally meaningless to the consumer at best, and false advertising or fraud at worst.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-20 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I received notification from Launch Servicing that my loan balance had been paid in full ( ~ {$21000.00} ). The Paid in Full letter lists my name, account number, and loan number. I stopped receiving monthly billing statements from them, I monitored the account for the following three months, and received no further correspondence from them until XXXX, when I received my 1098-E. On XX/XX/XXXX, XXXX, and XXXX, XXXX, I receiving billing statement, each dated for the months of XXXX, XXXX, XXXX ( XXXX ), and XXXX ( XXXX ), respectively. These statements also appear in my online account correspondence, but show a receipt date of XXXX XXXX XXXX  The statements show that interest continued to accrue on the account in question and that late fees were being applied. On XX/XX/XXXX, I called Launch to inquire why this was the case and what had happened. It was explained to me that a payment had been applied to my account in error, but then removed, and that's why I was receiving these statements. After asking why I hadn't heard anything sooner, I was told that a letter explaining the mistake and admitting their fault had been sent on XX/XX/XXXX [ I have yet to receive this letter, either digitally or via mail ]. As of XX/XX/XXXX, the loan in question is still listed on my credit report as " Paid, Closed; was Paid as agreed. '' On XX/XX/XXXX, I received a delinquency letter notifying me that the missed payments are due immediately to avoid collections actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX there was an mis-posted for a XXXX XXXX  on my account and it was fixed in XXXX. 

Someone with a similar name made a purchase and XXXX recognized that. 

In XXXX apparently they were transitioning to Commenity Bank my profile did not transition over when I had {$6000.00} available in credit. 

Now theyre claiming theres a cease and desist note on my account because the previous issue with the random person used my account triggered this before transition

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
XXXX HAS FAILED TO PROVIDE PROOF OF MY ASSOCIATION AS AN AUTHORIZED USER WITH ACCOUNTS WITH VERIFICATION SUCH AS WET INK SIGNATURES. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2024 I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card accounts [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on these accounts. 

Until such proof is provided, I insist that you immediately remove this debt and cease any further reporting of this information to the credit bureaus. Failure to comply with this request will result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

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