vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: LA

Complaint narrative:
I received a letter from Mohela on XXXX XXXX stating that my loans had been forgiven in full effective XXXX. My Mohela account show a XXXX balance and I called to verify that the loans were indeed forgiven and was told that they were. I have been checking my XXXX Credit report frequently since that time and the loans are still listed as open and with the full balance. I messaged Mohela and requested that the update the credit bureau information. They messaged me back a copy of the forgiveness letter but there was no comment about updating the credit bureaus. I then filed a dispute with the credit bureau but have not been notified of any action or resolution. I want to see the forgiven loan closed and paid in full on my credit reports. The last update Mohela did was in XXXX of 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 2024-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Here is a portion of one of many letters I sent : " I am responding to Capital One 's letter dated XX/XX/XXXX regarding a disputed charge from XXXX XXXX XXXX in the amount of {$120.00} dated XX/XX/year>. Although I have gone through this issue at length with your customer care rep on the telephone, it seems I am now required to reiterate the reasons for which I am disputing this charge. 

In sum, XXXX  is a XXXX  car service that provides airport transportation. They did not pick me up at the airport, the driver wanted me to meet him at the opposite end of the large terminal -- a good XXXX minute walk from baggage claim and so I took a XXXX  cab home. Now, I am asked to pay for the fact that this very clueless driver showed up at all, though no service was provided. He stated he couldnt meet me at baggage claim because security would not permit him to pass through without a boarding pass. 
The baggage claim pickup area in NO WAY requires one to pass through security, as was demonstrated by the line of drivers from other services holding passenger signs and meeting them at baggage claim. The XXXX driver suggested we meet at The XXXX XXXX at the opposite end of XXXX XXXX XXXX XXXX, a very long distance away. I told him on the phone this was not the service I contracted for, and he said he understood. I took a cab home ( see charge on statement ), and yet was billed by XXXX. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
So I had a legal document sent to the credit company XXXX and to the debt collector requesting info that I requested from them explaining in detail all this money they are telling me I owe I have not received anything to date but XXXX says the investigated and shared nothing with me only that they were not remove it how can you ignore my request for info that is simply false my lawyer broke it down in a very detailed letter onwhati was, I was legally in titled to and I got nothing not even a response to be honest something is not right about the way expireran is handling my credit I have had many problems with them ignoring police reports requesting me to go above and beyond whats legally required to prove my case and when I do they still ask for more info only to find out they use a computer system to make judgements and issue a final determination on the my dispute in which I have expressed that I am not at all comfortable with to the point I have had to seek legal help and still am getting shutdown and Ignored in my request for info that I should be given I would like to see there investigation so that me and my lawyer can go over it and dispute accurately and I get nothing as a matter of fact they changed the date that I opened the investigation they ignored all request for infos on this debt and I for supporting there supposed investigation XXXXm sorry but this is a serious matter and there word unfortunately is not good enuff and I am asking for a complete review on this debt and a break down and for it to be explained on where the amount I am being charged came from dollar for dollar cent for cent along with the amount they were paid on my behalf from Covid 19 rental relief that they applied for after I left like it was agreed that I would move out and end lease due to the issues that Covid 19 were causeing the whole country infact expireran dosent even see the fact that I have two diff apts propertys saying I owe them at the same time same time period I have been a victim like so many of the landlords in XXXX XXXX that not only are charging people for rent that was not owed but the fact they they were paid by government funds even after I was no longer staying there but yet I order for them to apply for those moneys they had to lie and say I was liveing there which ok they were paid but they are still trying to get more money and when they took those relief funds they weer not suppose to go after tenants for back rent which they clearly are and XXXX is allowing them to abuse there authority

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received two American Express Gift cards. I have tried to use both of them and all times they have been declined. In addition, I have called for the last two days and spent many hours on the phone only to get the run around!! One card is for {$400.00} and the other for {$500.00}. They are both below balance now due to {$.00} being subtracted everytime i go to use them! This is proposterous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: EdFinancial Services
State: AZ

Complaint narrative:
The issue I would like addressed. 
I want the servicer Edfinancial Services to act in good faith when making an offer, I acted in good faith and made every effort to accept their offer of a decreased rate of interest for auto payment which is clearly stated through out their website. 
I tried enrolling online for autopay as soon as I discovered who my servicer was, well before the first bill arrived, no success, I believe it was the first week in XXXX that I finally was able to enter my banking information. Even so there was nothing to notify the user ( me ) on the website of successful enrollment. Not receiving a " congratulations you have enrolled '' page I eventually gave up. 
I got my first bill in the post, the document states I am not enrolled in auto pay. 
I return to the website, try to enroll again. Same results, XXXX feedback that I have complete the request successfully. 
On a lark, I make a call, I speak with a lovey capable person. They inform me that the system is backlogged and auto enroll will take 3 months to kick in ; as long as you dont try to enroll in auto pay again because the 3 months starts from the date of the last request. 
I was also informed that I am not required make any payments until autopay starts. I asked if interest accrues during this time, the response was yes. Anyone that paid attention in High School Home Econ class knows that adding interest to the principle increases the total amount of interest a borrowers has to pay. Any behavioral scientist will tell you, that every time someone gets a bill that states autopay " not enrolled '', that person is going to try to enroll, which starts the process a new and thus never ever, ever be successful in achieving the lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I open a Dave account which is an App I closed the account but they left the banking account open, so many kept being deposit in that account, I find out on XXXX XXXX  and requested the money to be reimbursed and they said they didn't have no money, I spoke to my employer and XXXX which process XXXX  real estate payments and both said the money is in that account but so far after providing proof they haven't been willing to track the money or refunding the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX I am writing to delete the following information in my file. These items I need deleted are listed in the report attached, I am a victim of identity theft and did not make these charges. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trades Commission 's, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. please delete these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
An account from XXXX that was not mine was reported on my credit report as late payments. While it has already been removed from XXXX and XXXX, it still persists on my TransUnion report.

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 2024-01-17 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: CT

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-01-17 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: NY

Complaint narrative:
I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. 

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. 

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. 

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. 

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.

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 2024-01-17 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: VA

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

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. 

Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Someone took money off my bank account without my permission so I file a claim on my account now they saying they closing my account. Without a real reason XX/XX/

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 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: GA

Complaint narrative:
Great evening, In response to complaint # XXXX, Carmaxs manager XXXX is 100 % correct, I am attempting to lawfully set off this account, I have sent a remittance coupon last week certified mail accepting and returning for value, the amount in FULL. Ive also taken the liberty to file 1099a with IRS, which Ive also sent via certified mail along with acceptance for value letter, which expressed to be forwarded to the SEC, Department of Treasury, IRS/CID and the FTC ( consumer response ) expressing the Laws that have been violated prior to me crediting this loan. I will be sending the presentment to the IRS as well as Department of Revenue, this week, to ensure all real parties of interest are satisfied.

Continuously, Ive expressed to stop phoning, as it gives me plenty emotional distress, while attempting to work together. Carmax took 3 months to reply to letters sent since XXXX certified mail, again violating FCRA laws. There are $ XXXX {$5000.00} penalties attached to these shortcomings. I would like to set a credit claim against Carmax In these lights, as we are remaining in good faith from CFPBs civil settlement fund.

Citing Public Law 73-10 HJR 192, also known as the Gold Clause Repeal Act, was passed in 1933. This law prohibited the payment of debts in gold or any other commodity. Ive learned this loan became securitized and is being publically traded amongst several shareholders. Would like to administer the proper process or procedure to discharge this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently did an investigation into my credit and was horrified at the discrepancies that I saw. I am a man of business and work hard to maintain my credit and these false reportings are causing a riff with not only my business but with my personal life as well. The bureaus inability to put in the work to ensure what they are reporting is accurate is creating major issues for me and I need this corrected at once.

Company response to consumer: Closed with non-monetary relief