vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received an American Express gift card, and have not been able to successfully use it in either brick-and-mortar retail stores or online. I have checked the balance online ( at XXXX ) and there doesn't appear to be a problem with the card. The full balance is available, but it is declined every time I try to use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was an account opened without my consent or knowledge by a bank representative and my ex wife in which XXXX XXXX Worth of my unemployment checks were cashed Recently in XXXX I spoke to Wells Fargo and was told they would look into this XXXX months later I get a letter saying that nothing like that happened referring to a recent account that I opened to deposit a settlement check they issued on a different matter. I told wells Fargo department of unemployment had copies of the cashed checks along with affidavids and fraud and that if needed I would get some or a copy they said no well I've been getting the run around like this from the begining. And no help at all I sent wells Fargo regarding this also but never got a response this fraudulent account was opened around XXXX and so far no one has been able to help and I don't have money for an attorney and for the record this was the reason I filed my divorce

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: VA

Complaint narrative:
Good evening, My student loan was transferred to MOHELA some time ago. Their handling has been absolutely abysmal. I was supposed to get a deferment from XXXX XXXX XXXX, XXXX. I was, instead, billed each of those months. 

In addition, I applied to renew my XXXX XX/XX/XXXX. It was approved and assessed by the Department of Education, and sent to MOHELA ; on XX/XX/XXXX. My estimated payment was approximately {$650.00} per month. 

In early XXXX, MOHELA sent an email with my new estimated payment. They are asking {$5600.00} per month, almost my entire paycheck. I called for clarification and was on hold for XXXX hours. At that point, I was told they put me on the straight repayment plan and said they had many repayment options to include XXXX. When I explained that I applied for that in XXXX, the service agent did not know why it wasnt considered and sent me to a XXXX. I was on hold an additional XXXX hours. I was assured that it would be expedited and processed in XXXX days. 

A week later, I received a letter that my request was being delayed and I could expect an ANSWER in XXXX BUSINESS days. If approved, it will end up taking 7 months just to approve my IDR amount approved by the Department of Education within a week. 

In the meantime, I either have to pay my entire paycheck, leaving no money for my house payment, food, medicine and services for my daughter, and utilities ; go into default ; or hope to get a forbearance, which will increase my interest AND push back my eligibility for XXXX due to their incompetence. 

They should be held accountable and should be required to put us on PSLF counting forbearance, and all interest be waived, until they get their act together. 

Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: KY

Complaint narrative:
I disputed the following accounts for identity theft and asked transunion the block them from my credit file as they were opened fraudulently as a result of identity theft I enclosed all the proper documentation and they still have not blocked the accounts from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I logged into my account to update my contact information. It would not allow me to update my XXXX phone number and forced me to call the XXXX number. I was on the phone for almost XXXX minutes and all I got was a bunch of attitude and XXXX service and a lecture about my attitude problem for calling the previous guy an XXXX, which trust me was the edited version of what I wanted to say. In this time, I noticed XXXX of my cards ( Care Credit ) had expired XX/XX/year>, and the company didn't ever bother to send me a new card. The other card is about to expire in XX/XX/year>, so I requested that to be replaced also. The XXXX call center agent, MARKED MY CARD LOST OR STOLEN, because he had an attitude problem and was acting out in a hostile manner and then proceeded to start treating me like a criminal. He tried to force me to click on a link that I was not going to do either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I would like to file a formal complaint that XXXX XXXX a collection agency is violating my rights by using false, misleading, misrepresentation and deceptive means by placing a collection on my consumer credit report. I am dispute that this collection agency did not provide validation information under 12 CFR 1006.3 4B5 but yet placed the collection on my consumer report, also they have not given me a chance to dispute this account according to 12 CFR one 006.3 4C4I this collection agency has no authority to furnish any account to my consumer report without providing any and all disclosures required by law and they are in clear violation of 12 CFR 100634D and 15 US C 1681S278. I disputing only any and all debts to them. Also, I am revoking my rights of them communicating with me through email text and calls. Also, I am requesting debt validation as well as the purchase agreement between them in the original creditor. Also, I am requesting that they furnish proof that they are licensed and bonded, I am requesting that they please remove this account off my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Balance details Paid off - Balance - Balance updated - Original balance {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: MS

Complaint narrative:
Balance details Paid off - Balance - Balance updated - Original balance {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was notify by text that the debt Collector LNVL Funding LLC wants me to pay XXXX debts, XXXX in the amount of {$3700.00} which I have already dispute through XXXX on XX/XX/2024 under the reason that is not my DEBT. The other one in there amount of {$3200.00}, which originally my debt was {$2700.00}, with XXXX XXXX XXXX  through his credit card # XXXX. XXXX. 
I start by finding why they ask for this collection, and the only clue that I have is that they bought from XXXX XXXX XXXX  my original debt in the amount of {$2700.00}. 
I request consideration for a hardship discharge of this amount. I am experiencing a severe financial hardship, as a result of the pandemic, I lost my job that I have maintained for several years.I am XXXX  years and will turn XXXX this coming XXXX. Although I have been desperately trying to find a part-time and full-time employment, I have not been able to secure even an entry level position. 
Currently my only source of income is Social Security retirement. After paying my modest rent, I do not even have enough to get all my groceries, prescriptions or personal care items. Most of the time i must go without my basic essentials needs. 
Please consider this request for a hardship discharge of this debt. 
I don't know address, nether telephone number, nor to whom address my petition, that is the reason that I am writing you about this debt. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
there is a company named XXXX XXXX XXXX XXXX XXXX that placed a collection on my credit report which I have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have names and addresses that are different on all three of my credit reports also old addresses that are none mailable addresses currently I have sent current updated addresses to all contracted financial institutions I ask that the old be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
Although I had a XXXX score of XXXX when FNBO checked my credit rating and I provided the previous year 's tax return, and XXXX years ( XXXX & XXXX ) social security award letters, the representative who called me on XXXX said the reason I was denied was that I did not provide the XXXX tax return and also FNBO did not accept Social Security award letters as valid proof of income. At this point, my application was denied finally. 

I applied for the XXXXXXXX XXXX  card on XX/XX/XXXX during a promotional period in which XXXX points were being offered for the timely application and {$2000.00} purchases within 3 months. 

That same day, my XXXX XXXX XXXX was checked and shortly afterward I received a letter asking for the previous XXXX year 's XXXX forms, copies of my driver 's license and social security card. 

In response to this letter, I responded that I was a retiree since XX/XX/XXXX and that I was instead providing the XXXX most recent Social Security Benefit Verification Letters ( XXXX & XXXX ), the front sheet of my XXXX tax return and other XXXX income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: GA

Complaint narrative:
On XX/XX/year> at XXXX am, I mail my dispute letters to Equifax via certified mail ( Certified Mail Tracking Number # XXXX ) asking for validation of debt per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and 15 U.S. Code 1692g. All I have received back is the debt is verified with no proof and sending stall letters saying I'm not a real person sending in the letters. They keep mailing me a balance statement with a breakdown without proof of my wet signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reached out to the CRA 's with a letter stating what consumer rights have been violated, the CRA 's have continued to report the inaccuracies and violate the privacy of the 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 2024-02-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Reached out to the CRA 's with a letter stating what consumer rights have been violated, the CRA 's have continued to report the inaccuracies and violate the privacy of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
One Maine Financial charged off a loan account # XXXX According to the Fair Credit Reporting Act when a creditor has written the account off is close I did not receive 1099-C form from the creditor .They got a tax credit and I am not able to to report this as Income to the IRS and I should not has this debt on my credit profile .Please send me any forms and documentation that you have a right to report this as a debt if you can not please remove this from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been reporting an inaccurate identity theft account ( XXXX ) which was furnished by identity theft and is therefore inaccurate information. Experian has received my request to block information furnished by identity theft and dispute on XXXX XXXX, as signed by XXXX XXXX on the attached return receipt. Consumer reporting agencies must investigate disputes within 30 days of receiving it. Since this company has been notified that I am a victim of identity theft and received the police report, FTC report, my ID, and social security card and failed to correct the information within 30 days, Experian is in violation of section 605B of the Fair Credit Reporting Act. 

Full details of the identity theft account are : XXXX ). Account Name : XXXX ; Balance : {$1800.00} ; Account number : XXXX ; Date opened : XX/XX/2019 ; Violations : Experian is in violation of section 605B of the Fair Credit Reporting Act for not blocking the account within 30 days. 

Experian 's refusal to remove the inaccurate information is a violation of 15 U.S.C. 1681c-1, which requires that a consumer reporting agency correct and maintain accurate information in a consumer 's credit file.

Experian is in violation of 15 U.S.C. 1681i, which requires that a consumer reporting agency conduct a reasonable investigation into the dispute of a consumer 's credit file. Since they did not conduct an investigation that complys with 605B, they are in violation of this section.

Since they refused to block this information, I have been denied access to credit as a result of them violating section 605B of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have an auto loan from AMERICA FIRST BANK, I am filing a Complaint against the bank. The bank has not responded to my letters for 6 months. The bank deceives and forces its insurance on me at an inflated price, while hiding the name of the insurance company. The bank has never provided me with a translator, discriminating against me on linguistic grounds. The bank monopolistically imposes only one insurance company, possibly the bank 's management received a bribe from the insurance company ( I will file a complaint with the FBI ). The bank is obligated not to impose an insurance company, but to offer customers a choice of several companies. There is no option on the bank 's website to make payments with a card from another bank, which is nonsensical in the 21st century of technology. I suspect the bank of violating antitrust legislation, corruption, discrimination, deceiving customers, manipulations. The bank must provide me with a translator, refund the insurance money, respond to my letters at loan @, review a lower interest rate, compensate me for moral damages and caused suffering and inconvenience, wasting my time.I regularly pay XXXX dollars every month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An accurate information that appeared on my credit report that stopped me from being denied rental apartments that was wrong addresses on my on my credit report and identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some fraudulent accounts. Please remove as they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX {$600.00} Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} Date XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} Date XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
In XXXX of 2023 XXXX made XXXX charge to the XXXX credit till the card was maxed out. Beginning on XX/XX/2023 the fist charge of {$450.00}, a second charge on the same date of {$390.00}, third charge on XX/XX/2023 {$830.00}, fourth charge same date {$990.00}, fifth charge same date {$830.00}, sixth charge on XX/XX/2023 {$990.00}, and the seventh charge on the same date for {$340.00}. I never received statements from XXXX, nor did I approve these charges. XXXX then sold the account to Midland Credit Management who is being uncooperative in discussing the legitimacy of the charges.

Company response to consumer: Closed with explanation