vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received this gift card as wedding gift on XX/XX/2023. It is a prepaid XXXX  gift card sold in packaging indicating it is worth {$200.00}. The issuer is listed as U.S. Bank National Association and is listed with the website XXXX  and phone number XXXX. The card is active for in-store to my knowledge but has never been used by me or my wife. Despite this, when I call the check the balance, the card is worth {$26.00}. When I ask to hear the transaction list, the system says no transaction has been recorded on the card. To test if the card was even functional, I attempted a {$14.00} purchase at a local restaurant and the transaction was declined. This is a fake, fraudulent gift card that is supposed to be worth {$200.00} and is actually just worthless.

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 2024-03-30 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: GA

Complaint narrative:
Complaint XXXX. 
I am rejecting this response because : Great you just admited you are not a creditor of mines. Therefore you have no right to report as a creditor XXXX XXXX XXXX on my credit report .You are breaking 15 U.S. Code 1692e - False or misleading representations AS ONLY creditors can report to credit reports .You admitted per last response that you arent a creditor of mines and have not provided any validating documents that I previously requested and also breaking 15 U.S. Code 1692g - Validation of debts.As in XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), you are liable for your willful non compliance .This is my third documented request from XXXX  ASKING YOU TO PROVIDE any of the contract signed between YOU DEBT COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT.You obviously ignored my first request which is documented and has been sent to FTC and CFPB for willful compliance .You are taking advantage of consumers especially me being on a fix income .and about to be homeless I was denied being approved for a Mortage due to transunion allowing XXXX XXXX XXXX to insert this false account on my credit Please remove yourself from my consumer report before I file ligation. transunion please send me a updated copy of my credit report because I still have received it its XX/XX/2024 didn't haven't got it because this my third time disputing this false account with you this false derogatory collection still failing to comply with reinvestigation

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Complaint Against Credit Reporting Agencies for Non-Compliance with FCRA Dear Sir/Madam, I am writing to file a claim against EXPERIAN for their failure to comply with the Fair Credit Reporting Act ( FCRA ), which is adversely affecting my right to Credit. 
On XX/XX/year>, I submitted a dispute letter to EXPERIAN identifying inaccuracies in my credit report. These inaccuracies include unrecognizable and inaccurate accounts. According to the FCRA, consumer reporting agencies are required to conduct a reasonable investigation into disputed information within 30 days of receipt. However, it has been well beyond the mandated time frame, and I have yet to receive any correspondence regarding the resolution of my dispute. 
This lack of timely response from the Credit Reporting Agencies is not only a violation of my rights under the FCRA but also significantly impacts my ability to access credit based on accurate information.

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 2024-03-30 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : 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 non-monetary relief
Consumer complaint received 2024-03-30 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: NAVY FEDERAL CREDIT UNION
State: GU

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a consumer loan account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Credit Card customer service refused to correct a missed payment error reported to the Credit Bureau, even though clearly I have never gone more than 30 days making a payment. 

Per Capital One website consumer information regarding late payments, " a late payment shouldnt affect your credit score until its gone unpaid for at least 30 days, making your minimum payment before it goes 30 days past due can help prevent further problems. '' Capital One Card customer service would not acknowledge the due date of 16th on the billing statement as the determination for 30 day late reporting, rather they said the billing cycle was the basis and refused to correct the error of missed payment reported to the credit bureau. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
I spent an inordinate amount of time on hold with with Federal Student Aid Customer Care, getting signed up for the SAVE program, and was approved. My FedLoan balance should have went down by $ XXXX but my new servicer ( XXXX ) still shows the old total and nothing regarding the SAVE Program. I should not have to do additional legwork because these programs and new loan servicing companies cant get aligned. 

After 10+ years of payments they actually have barely made dent in the loan principal. Its almost comical if it wasnt such a dire situation. Im not even sure if my payments were accounted for properly, as all records on FedLoan are completely inaccessible. On top of this, I was recently laid off from my job. So my total income in 2023 was a {$37000.00} ( $ XXXX of which was state unemployment benefits as Im looking for new work ).

Something must be done, and quickly. There is no alignment between the Dept. of Education and Loan Servicing Companies, and the voting public is getting incorrect information when they are making good faith efforts to get into an IDR program or some form of relief from these insane education costs. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I went online on XXXX XXXX XXXX and went on chat with an Apple store online specialist to to a trade-in, I gave him/her the serial number of my trade-in and asked what laptop I wanted for the trade-in, so I gave the specialist that information and was advised that he/she will create a bag for me to check out with the trade-in credit amount of my trade-in. I did just that and used my apple credit card to pay for the difference of the trade-in. All is well and I picked up my new XXXX XXXX and waited for the trade-in box that the Apple store sent me to ship my trade-in XXXXXXXX XXXX XXXX. After some time I was shocked that I was charged by Apple credit card the {$760.00} credit value of my trade in. I called right away but Apple failed to open a case for me after they promised to research and follow up. I filed a dispute with Apple card explaining my side and told them I am at no fault. I followed all steps that the apple online specialist told me to do. All is well until I got an email that I didnt win my dispute evern after not having my trade in XXXX XXXX back, I re-opened the claim again as this is getting out of hand and Apple will not admit to their error/mistake, Apple store is claiming i cancelled the trade in, which I did not!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In XX/XX/XXXX, Chase advertised a promotional offer for their XXXX XXXX card, which included, among other terms, a " welcome bonus '' for new cardmembers, whereby Chase would pay/credit {$200.00} after the new cardmember spent {$500.00} within the first three months of account opening. I signed up for the card on that premise, spent well over the spending threshold within mere weeks of account opening, and patiently waited while weeks and months passed by without the welcome bonus being credited to my account. I tried several times to inquire about the issue on Chase 's online chat platform, and received a message along the lines of " I can not help you with that '' each time. Eventually, I called the customer service line multiple times, including twice today, XX/XX/XXXX. I spoke with three ( 3 ) different Chase representatives, each of whom lied to me in different ways about the status of the welcome bonus. The first told me that " the account was not eligible for a welcome bonus '' because the offer is no longer if effect ... notwithstanding the fact that Chase is marketing the very same promotional offer on its website today. The next serivce rep. reviewed my account and saw that I had earned " cash back '' based on spending, then tried to convince me that the " cash back '' I earned was actually the rewards bonus, and it had already been applied... it had not. The third Chase rep. then told me that the offer that was in effect at the time of my application was no longer available and could not retroactively be applied to my account, and that there were no other individuals at Chase who had the power to add the bonus to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
All three credit agencies have violate Privacy Act of 1974. Incorrect billing addresses and incorrect names. They are non billable addresses. Only correct address and name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all the rest are fictitious names and addresses no mail goes to. They are non mailable names and addresses.

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 2024-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: MI

Complaint narrative:
Green sky has been told that this loan was fraudulently placed in my name and that legal services was attained. They started sending mail with XXXX name on it to my address I. Michigan and she does not live with me. I have no loan documents and never signed any. My son and XXXX have paid this account to be exact XXXX has made the payments only! They got divorced and now somehow I am on loan as primary. They are to collect money from her they had payments coming out of sons account so what happened! They are harassing me and attorney has said to cease contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My mortgage is paid off but it still listed as a balance of {$360000.00} on my credit 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 explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/2023

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In regard of EXPERIAN, XXXX, and XXXX, I was never informed by any means nor sent a notification that I agreed upon verbally or gave written consent that EXPERIAN, XXXX, AND XXXX can share my Consumer report with any person, third-party creditor my consumer report is supposed to be protected by consumer reporting bureaus. therefore FRCA 15 U.S.C s 1681 has been violated.

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 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
UnAuthorized transactions in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: LA

Complaint narrative:
Subject : Complaint Against Credit Reporting Agencies for Non-Compliance with FCRA Dear Sir/Madam, I am writing to file a claim against EQUIFAX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), which is adversely affecting my right to Credit. 
On XX/XX/, I submitted a dispute letter to EQUIFAX identifying inaccuracies in my credit report. These inaccuracies include unrecognizable and inaccurate accounts. According to the FCRA, consumer reporting agencies are required to conduct a reasonable investigation into disputed information within 30 days of receipt. However, it has been well beyond the mandated time frame, and I have yet to receive any correspondence regarding the resolution of my dispute. 
This lack of timely response from the Credit Reporting Agencies is not only a violation of my rights under the FCRA but also significantly impacts my ability to access credit based on accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: PA

Complaint narrative:
I submitted a document from the consumer protection act stating that that account was inaccurate and needs to be removed around XXXX of XXXX, In XXXX of that year the account was removed. Not only have they tried to return it to my credit, they have increased the amount again. This is an illegal act of the credit collections agency to get paid for a debt that has been satisfied. If you look at my credit report in all of XXXX, you will not see this account, they even tried to update it as if I just went delinquent on it, that account is over six years old. The original date of this account was in XXXX, not XXXX. 

In the attachment is the template of the letter that I sent them. I sent them the original so I do not have a copy of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
I simply want a Graduated Extended payment plan for my very large Parent PLUS loans -approx {$200000.00}. It does not require a particular income and does not involve forgiveness of any kind. I had one for my own student loans and it was granted as a matter of course. Mohela is treating it as a kind of forbearance or forgiveness plan and requires income information, which I have provided, but which is not necessary. Here are the dates of my previous applications and Mohela 's responses so far. I will begin monthly payments as soon as the XXXX XXXX plan is approved. 

Appplication date : XX/XX/XXXX - as soon as Mohela notified me of the upcoming payment amounts for XX/XX/XXXX. Response : XX/XX/XXXX : " Your loan ( s ) are not currently in repayment. You may reapply once your loans are in repayment. '' Application date : XX/XX/XXXX. Response XX/XX/XXXX : " Your loan ( s ) are not currently in repayment. You may reapply once your loans are in repayment. '' My loan was on an administrative forbearance until XX/XX/XXXX because Mohela was late in sending the XX/XX/XXXX bill, I believe. 

Application dateXXXX - Processing Application date : XX/XX/XXXX- Processing Application date XX/XX/XXXX - XXXX I have called several times over the months. The customer service representatives are not empowered to help, they just say the application is " processing. '' For the last XXXX applications, the website states I should be receiving an answer in " XXXX to XXXX business days. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB MANAGMENT SERVICE ACT # XXXX BALANCE XXXX I AM REQUESTING THE VERIFCATION OF NEGATIVE ITEM, IN PURSUIT TO THE FAIR DEBT COLLECTION PRACTIES ACT, 15USC 1692 SEC.809 ( b ). YOU ARE REQUIRED UNDER THE ABOVE NAMED TITLED AND SECTION, TO SHOW YOUR LAWFUL AUTHORITY TO COLLECT ON AN ALLEGED DEBT CLAIM ; I AM REQUESTING THE FOLLOWING ITEMS : - THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR - A COPY OF THE ORIGINAL CONTRACT BETWEEN MYSELF AND THE ORIGINAL CREDITOR -THE ORIGINAL APPLICATION FOR THIS ACCOUNT WITH MY SIGNATURE - A COPY OF THE AGREEMENT AUTHORIZING YOURCOMPANY TO COLLECTED ON THEIR BEHALF OF THE ORIGINAL CREDITOR - FULL DETAILED ACCOUNTING HISTORY ON THE ACCOUNT AND CALCULATIONS ON HOW THEY REACHED THAT AMOUNT OWE - PROVIDE VERIFICATION ON ANY JUDGEMENTS CONNECTED TO THIS ACCOUNT - PROVIDE YOUR LICENSE TO COLLECT IN MY STATE AND YOUR REGISTER AGENT NAME WITH THEIR ADDRESS- PLEASE SHOW PROOF THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED IN MY STATE FOR THIS ACCOUNT -PROVIDE THE DATE OF THE LAST PAYMENT ON THIS ACCOUNT. 

PLEASE PROVIDE THE ANSWER TO THIS REQUEST IN WRITING WITHIN 15 DAYS OR I WILL BE FORCE TO TAKE LEGAL ACTIONS THANK YOU FOR YOUR COOPERATION XXXX XXXX

Company response to consumer: Closed with explanation