vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Management Inc, MCMI henceforth, acquired my debt from XXXX XXXX XXXX XXXXXX/XX/XXXX. Since that time they have contacted my family and friends trying to reach me to collect the debt. When that proved unsuccessful they attempted a sue me for the debt, XX/XX/XXXX, during the COVID-19 pandemic. However I was never legally served by the courts ; however MCMI was able to move the case to a new court and judge that granted a judgement by default. Since that time MCMI has contacted every employer that I have worked for in attempt to validate my identity and restart the life of the debt. In the fall of XXXX MCMI contacted my previous employer XXXX XXXX. I was terminated from XXXX XXXX XX/XX/XXXX. XXXX XXXX is a short term loan company with an INTERNAL collections department, that does not typically acquire outside debt. However, XXXX was added as a garnishee on the debt on XX/XX/XXXX, within the Michigan court system. MCMI with the help XXXX XXXX attempted to establish contact with from XX/XX/XXXX to XX/XX/XXXX in an attempt to restart the life of the debt. MCMI once again contacted a former employer XXXX, I was terminated from XXXX XX/XX/XXXX for being offline during a company-wide internet outage. XXXX held my final pay until XX/XX/XXXX, in an attempt to get me to cash a digital check at XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX  XXXX XXXX was added as garnishee to the debt. Since XXXX I have never made more than XXXX a year as such I have not been able to make payments to MCMI, furthermore the continued harassment from MCMI has made it difficult for keep employment for more than 6 months at a time making it impossible to make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: KS

Complaint narrative:
On XX/XX/year> around XXXX my Robinhood account was hacked and I was unable to change my passwords and the features were locked after multiple attempts. As a result, many unauthorized transactions over 40 transactions occurred over the period of XXXX XXXX on the same day until XXXX XXXX  the next morning on XX/XX/year>. I called and emailed multiple times and the theft could be stopped but Robinhood took no action. They finally got back to me on the evening on XX/XX/year> to unlock my account. I lost over $ XXXX. I have all the records of phone calls, emails that I tried to contact Robinhood during the theft but I was unable to do anything while the crime was happening

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the recent, unannounced, and unjustified reduction of my PayPal credit line by {$2000.00}. This action has taken place without any prior notice or explanation, leaving me in a difficult financial position. 

I believe this reduction is unfair and deceptive. It is particularly troubling as none of my other credit lines have experienced such arbitrary and sudden decreases. This inconsistency suggests a lack of transparency and fairness in PayPal 's credit practices. 

I kindly request that you investigate this matter thoroughly and reinstate my original credit line. I would also appreciate a clear explanation for this unexpected reduction. 

I expect a prompt and satisfactory resolution to this issue. I will be closely monitoring this situation and may consider further action if necessary. 

Thank you for your immediate attention to this matter

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE INQUIRIES ARE NOT MINE, I DID NOT AUTHORIZE ANY OF THOSE LISTED IN MY COVER LETTERS. PLEASE HELP ME DISPUTE AND REMOVE THESE.

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 2024-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
The credit collection was reported inn my credit and I tried contacting them and they would not listen to me to remove it because this collection is apart of my on going identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-27 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I called several times. My loan was originally through XXXX XXXX XXXX XXXX. Somehow we got to Sally May Sally Maye got sold in XXXX and now XXXX with somebody else. All I want is the original paperwork where I signed that long when I was in college, I sat down at the desk and I put my signature on the paper. Nobody can find me that paper. They keep giving me a digital copy, and I want to see the original terms of the paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I already complained to the CFPB regarding Citibank 's reneging on a promised loan APR. Since the experience with Citibank has been so frustrating, I have attempted to opay the loan off in full. I obtained a payoff amount and immediately sent a check ( almost 2 weeks ago ). Citibank has not processed the check and the payoff amount continues to increase. Repeated requests to resolve have been sent to Citibank 's Executive Response Unit and receipt each request has been acknowledged-yet Citibank refuses to address the matter.

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 2024-10-27 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: WA

Complaint narrative:
My previous complaint I filed with cfpb against MOHELA was in regard to them not recalculating my new reduced payment. The payment was supposed to be recalculated with a new reduced amount beginning XXXX. Due to it not being recalculated I ended up paying the full amount of {$210.00} for the month of XXXX. 

Once they finally reduced my payment, it didn't go into effect due to a court order preventing the new student loan forgiveness plan from going forward. However, MOHELA provided me with the new payment amount of {$100.00}. Now that my payment has been updated, it meant that I overpaid for the month of XXXX because that is the first month that the reduced payments were supposed to go into effect. 

I spoke to MOHELA towards the end of XXXX requesting a refund for the difference that I overpaid. MOHELA told me that they would submit the request, and it would take a couple weeks or so to process. 

I spoke to XXXX ( supervisor ) from MOHELA on XX/XX/XXXX. She stated, it was day 22 of 23 of the max amount of time it should take to process the refund. She stated she will follow up with me once refund has been issued. 

I followed back up on XX/XX/XXXX and the representative had the issue escalated. She was told it would take 14 business days to process. I was told to call back on XX/XX/XXXX if it still hadn't been processed. 

Called back on XX/XX/XXXX and was told it was still processing with an unknown eta. As of today, ( XX/XX/year> ) I still haven't received my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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 have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 30 - 60 DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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 have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-27 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I purchased a vacation package from XXXX for a 4 day 3 night stay in XXXX XXXX XXXX. The cost was {$590.00} which I paid {$190.00} on XX/XX/XXXX then the remaining balance of {$390.00} on XX/XX/XXXX2024 using my XXXX CHASE credit card. My statement shows the charges. I chose the dates of XX/XX/XXXXXXXX XXXX XXXX XXXX, 2024. Upon the check-in into the XXXX XXXX XXXX at XXXX XXXX hotel , which is XXXX owned , front desk requested a credit card for incidentals. I charged a beer to my room on XX/XX/XXXX of {$14.00}. At the end of my stay, I received a bill of {$360.00} in which {$340.00} is not valid. 

I initially tried to resolve the issue with XXXX and forwarded the confirmation documents of the package, but to no resolution. The agent stated I stayed an extra day which is not correct. I then sought resolution with my credit card company CHASE which is the card I used for all of the transactions. They initially credited my charge card and they stated would investigate my dispute to resolve. Then on XX/XX/XXXX, CHASE closed the case without reviewing the documentation I submitted to them showing I paid for the entire package in advance. I called CHASE and they said I had to call them to reopen the case. Then the next agent stated I have to submit a dispute for a new case. I did that. On my online account, I do not see they have opened or reopened any investigation.

I am kindly requesting a credit back to my account {$340.00}. I just want my credit card to be credited back correctly. I do not like the way CHASE handled this issue. Their agents were lazy with reviewing their documents as well as my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Affected by declared disaster hurricane Milton XXXX in XXXX XXXX, Florida USA. I am unable to make timely payments due to the impact on my job/wages as a result of a Public Health Emergency . Late payments were due to loss of job or other causes beyond my control. Not compensation received. Would like to request 6 months moratorium on payments and lower payments and non adverse reports and/or apply to behind payments to credit reports agencies to ASPIRE credit card on my account ending in XXXX It would help me during hardship situation to recovering. Also known as ASPIRE CREDIT CARD closed my account without giving the opportunity to recover from this hardship situation and won't offered me any moratorium, deferment or new payments arrangements, they also did not apply the credit card insurance that I was enrolled just in case of job loss and did not apply the promise to not harm my credit report when I was insured and enrolled on the credit lrotection program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-27 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief