vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include section 1681s3 of this title THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUEDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account ( s ) ( A ) subject to, any ( i ) report containing information solely as to, or ; experiences between the consumer and the person making the report transactions. A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request!

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This complaint is in regards to American Express and their Delta Skymiles Reserve Card. 

They claim to have a benefit for TSA PreCheck ( below is the post from the AMEX website ) : " Application Fee Credit for Global Entry or TSA PreCheck Receive either a {$100.00} statement credit for Global Entry or a credit of up to {$85.00} for TSA PreCheck after you apply through any Authorized Enrollment Provider. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck, depending on whichever application fee is charged to your eligible American Express Card first. 

The application fee credit for Global Entry or TSA PreCheck is available to American Express Gold Corporate Card Members, Consumer Platinum Card Members, Corporate Platinum Card Members, Business Platinum Card Members, Consumer Centurion Members, Corporate Centurion Members, Business Centurion Members, Delta SkyMiles Platinum Card Members, Delta SkyMiles Reserve Card Members, Delta SkyMiles Platinum Business Card Members, Delta SkyMiles Reserve Business Card MembersXXXX XXXX XXXX XXXX XXXXXXXX American Express Card Members. 

Additional Card Members on Consumer and Business Platinum and XXXX accounts also receive the benefit when the Global Entry or TSA PreCheck application fee is charged to their eligible Card. 

For XXXX XXXX XXXX XXXX, Delta SkyMiles Platinum Card, Delta SkyMiles Reserve Card, Delta SkyMiles Platinum Business Card, and Delta SkyMiles Reserve Business Card either the Basic Card Member or the Additional Card Member ( s ) on the same account can receive the benefit when charged to their eligible Card. The first application fee charged to the eligible American Express Card will receive the credit. Please note, there is only one ( 1 ) statement credit in a 4- year period for Global Entry or in a 4.5 year for TSA PreCheck available per Card account. '' - I have transactions on XX/XX/XXXX whereby me and my wife paid for TSA PreCheck at a preferred TSA.gov  company ( XXXX ) and charged these fees on our AMEX Delta Skyline Reserve Cards.

- I was told by one online AMEX support associate that XXXX was not a company they reimburse these fees for. Was then disconnected from the chat session with this associate. 
- After reconnecting with the AMEX support, I was also told by another AMEX support associate that they did not cover but ONE reimbursement of fees but the disclosure says the primary cardholder AND the additional card members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: RI

Complaint narrative:
I have tried to dispute these inquires and they are giving me a hard time. There should only be two hard inquiries. They also have my account almost XXXX points lower than the other two reporting agencies.

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 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Complained about this company before they are based in XXXX but this call is another one of their affiliated offices in XXXX. Constantly calling me almost every day including weekends. Never leave messages. I need this to stop. Had another call today. Sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act. The lists of accounts below and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX XXXX  XXXX : XXXX Account Name : XXXX XXXX XXXX  XXXX : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : xxx Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights XXXX XXXX U.S.C 1681 section 602 A states I have rights 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 items 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 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I made an online payment using PayPal to a company who turned out to be a scam. I made a case with PayPal who then resolved the case in my favor. Due to me also initiating a case with XXXX because of PayPals business hours PayPal debited my PayPal account {$88.00} quoting a double refund. 

When I found out that PayPal has resolved the case, I cancelled the charge back with XXXX. Therefore, XXXX reverted the secondary refund that PayPal was referencing. I reach out to PayPal and they tell me to reach out to XXXX. However, on XXXX  end it shows the refund that PayPal submitted and the reversal of the refund that XXXX had initially provided prior to the case being closed. 

Paypal debited my PayPal account and is quoting a secondary refund that was reversed. Making it to where I am still - {$88.00} on a case that they claim to have resolved to my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a chime account. 
I file 2 different disputes and 2 different rebuttals because they denied my disputes EVERY SINGLE TIME! 
They didnt proceed with any thorough investigations. My claims were denied in less than 24-72 hours. Together the balance of both claims was over {$4000.00}. Ive submitted proof and documents to prove that those transactions were unauthorized. Today. XX/XX/2022 my account was deleted without any warning! I called and even complied with the supervisor of chime and she was EXTREME rude to me and threatened to hang up on me. I am a single unemployed mom of XXXX boys, XXXX XXXX XXXX XXXX  And I am also XXXX XXXX XXXX  with no form of income. I am emotionally and mentally exhausted with this situation. All I need is a little help. 
The first dispute that was filed was faulted by chime. I had an issue with XXXX XXXX before and I politely asked them to block that merchant, they assured me they did. 2-3 months later my purse was lost with all forms of ID and also credit and debit cards. And over {$2000.00} was stolen from me through XXXX XXXX Which was a fault on chimes behalf.

Chime has a policy saying after 10 business days is the dont come to an decision that I automatic receive a provisional credit to my account, but they deleted my account on the 9th day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer Reporting agency can not furnish account without my written instruction.

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX at XXXX Chime or someone at Chime transferred XXXX $ to an account on XXXX XXXX without my permission. Been working the problem out with a guy name XXXX XXXX today the number discounted. Put in a dispute with Chime and they emailed me back saying it was denied but on email they had wrong card number. I keep calling same unprofessional people they haven't mew card or anything about me being scammed. I need help please it was my XXXX XXXX  and my rent is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VT

Complaint narrative:
This is regarding my applciaiton for Public Service Loan Forgiveness ( PSLF ). I have spoken with FedLoans and submitted Employment verification several times for my employment but they consistently do not update the information. 

In addition, they do not contact me saying there is a problem -- if any -- with my employment verification. 

I stay on the phone for hours, get a nice and helpful representative, resubmit my employment verification, they find something wrong w/ it, lose it, or ignore it, and then I am again left in limbo. 

It almost seems like they are stalling until the XXXX XXXX  deadline? Perhaps that way they don't have to forgive any of my loans? 

I worked XXXX XXXX XXXX for 12 years and 7 years XXXX XXXX XXXX XXXX XXXXI have been paying on these loans since 1989 with periods of forbearance ( I also was never told I could make a nominal payment that would count toward my PSLF ). 

When I started in 1989 I owed {$42000.00}. I now owe {$50000.00} THIRTY THREE YEARS later!! 

Please help, I am crushed by this lifelong debt that I can't seem to pay off even after over 30 years...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MD

Complaint narrative:
IQ Data international XXXX XXXX ) has Been calling me to collect a supposed is a supposed ode amount from my don't from my previous residential residential buildings management. I have been trying to set up a payment plan but have been told that if I don't make a payment in full they will well damage my credit score. I've been hung up on several times.. Today I received a call and once again tried to set up a payment pla payment plan but was put on hold twice and hung up on.There 's no way it's legal for them to report delinquent payments but not accept my phone calls in order to try to pay. I'm I have called at least 10 2 day and left voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

XXXX XXXX XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 

XXXX XXXX XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Unknown Furnisher account # XXXX XXXX XXXX XXXX account # 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 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX try to take money from my account XXXX XXXX for the insurance of my vehicle I notify my Broker that I change insurance on XX/XX/XXXX change to XXXX. 
Time passed by and on XXXX my credit score drops XXXX points for a XXXX  XXXX, call them and told them what happened and they said pay XXXX dollars and then we process a refund and we are good. they process a refund just for XXXX claiming that some little fees but we are good, they reported on my credid account paid on XX/XX/XXXX, but didn't delete the account even after I show them I never owe them because I had insurance since XX/XX/XXXX and they try to collect money XX/XX/XXXX. 
Ive been calling and asking to get this account removed because I want to get a house and I cant get a conventional loan because of that negative account in my credit. I need help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
i received a few phone calls from medicredit whom i dont have a contract with saying i owe them money i dont know who these people are they can be anyone soliciting me trying to extort me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I DID NOT MAKE THE ATM TRANSACTIONS AND I AM A SINGLE FATHER I NEED THE MONEY FOR MY DAUGHTERS NEEDS. WELLS FARGO IS SCAMMING ME BY NOT RETURNING MY MONEY AND JUST DENYING MY CLAIM.

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